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Simple mistakes are easily corrected by writing to the reporting company, pointing out the error, and providing proof of the mistake. You can also request to have your own comments added to explain problems. For example, if you made a payment late due to illness, explain that for the record. Lenders are usually understanding about legitimate problems.
As a consumer you are entitled to 1 free credit report annually.
The Vantage Score is a credit rating system developed by the top three credit agencies, Experian, Equifax and TransUnion.
1. Old derogatory accounts with balances owing
2. Public record items
3. Opening of new accounts
4. Significatnt balance increases
5. Customers do not pay as agreed, and this is reported