Free ways to improve/build your credit score

[Mr Cob]

i would imagine it is the card issuers discression the same way that is their discression as to how often they report. to my knowledge there is no law that says they have to report anything good or bad.

Thanks for this thread that may help someone!

I have disputed all negative credit on my report with the code "ND", which is "No Data". This means the creditor did not input any Data for the month. By law (to my understanding) they are required to report monthly if they choose to report at all.

When I have disputed the ND's they ALL have either been removed or updated. Fortunately the number removed has far exceeded the ones that were updated. When you dispute an item on your credit report and the owner of the credit does not respond after 30 days it is automatically removed from your report and can not be "re-added" later.

This info is based on my own experience, I have been cleaning my credit report up myself over the past 6 months after paying a small company a couple grand to do it for me with little progress.

Best advice to cleaning up your credit in my experience is this 4 step process:
1) Dispute everything negative especially the ones with "ND"
2) Apply for a secured credit card if you can not get an unsecured one and pay it regularly (make sure the company reports to ALL 3 Credit Bureaus)
3) Start paying off the smallest accounts that were not removed from your disputes and then the larger ones.
4) Keep the current ones CURRENT

Bonus Step for yourself: *Pay off the ones that were deleted from your report...(you still owe them even though they were deleted)

Hope my input helps someone.

Ps: STAY FAR away from PAYDAY loans...they are the "DEVIL"!