B. Face Your Debt Problems Some people with debt problems believe that the less they know, the less it hurts. They think, Im having trouble paying a lot of my bills. I cant stand the thought of knowing just how much I cant pay. But you must come to terms with your total debt burden. You cannot take steps to rebuild your credit without knowing exactly where your money goesor is supposed to go....

If your debt problems are behind you and youre only concerned with cleaning up your credit report, skip ahead to Chapter 4, Cleaning Up Your Credit File. Also read Chapter 2, Avoiding Overspending. Before you jump into rebuilding your credit, take care of any financial emergencies. Then you should tally up your debt burden and assess your options for handling what you owe....

Creditors like to see evidence of stability, so if any of the following information is not in your report, send it to the bureaus and ask that it be added: your current employment; your previous employment, especially if youve been at your current job fewer than two years; your current residence; your telephone number, especially if its unlisted; your date of birth; and your checking account number. Again, the credit bureau doesnt have to add these, but often it will. (See Chapter 4, Sections F and G, for more information on adding positive data to your credit report.)...

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Will the credit bureau automatically remove the incorrect information from my report? The credit bureau will review your letter or request for reinvestigation form. If you are right, or if the creditor who provided the information can no longer verify it, the credit bureau must remove the information from your report. Often credit bureaus will remove an item on request without an investigation if rechecking the item is more bother than its worth....

What should I do if I find mistakes in my report? As you read through your report, make a list of everything out-of-date, such as: Lawsuits, paid tax liens, accounts sent out for collection, criminal records (but not criminal convictions), late payments and any other adverse information older than seven years. Bankruptcies older than ten years....