To repair questionable items on your credit report, you can seek help from consumer credit counseling agencies or law firms such as Lexington (www.lexingtonlaw.com). You can also clean up your credit report on your own, so beware of credit repair scammers that offer ?exclusive? credit repair remedies for high fees.
There's no charge to dispute mistakes or outdated information on your credit record. Simply ask the credit bureau for a dispute form and submit it with any supporting documentation.
Once you're satisfied with your credit report, you can proceed with applying for a credit card with confidence. After you receive your card, be sure to use it responsibly to enhance your credit history. Never spend more than you can afford, and always pay your bills on time and in full.
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