The process to improve credit rating is not easy. If there are inaccuracies on your credit report, you should contact each creditor and work with them to fix it. You also need to contact the credit reporting agency and notify them of the error. While you could work only with the credit reporting agency to dispute the error, it doesn’t hurt to also contact the creditor. If it turns out that the information on your credit report is correct and you just have bad credit, your best bet to improve your credit rating is to contact the creditor and see if you can work something out to make good on the debt.

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