The FCRA or the Fair Credit Reporting Act allows you as a consumer to add favorable information or explanations to your credit report.
If you do not have any credit history you may consider adding unreported paid debts, rent payments or utility payments. If you have bad credit but feel you could benefit from explaining the circumstances you can add some information telling your side of the story.
The credit bureaus may charge a small fee however the benefits would override the amount of the fee.
Contact the credit bureaus by certified mail asking for them to contact the creditors and request approval to list the accounts that may have not been reported previously.
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