Best way to Restore CreditThe Best Way to Restore Credit
Be sure that the agreements are ended and that they are recorded in the logfiles. Similarly, if you do not need the full credit line indicated on a credit or debit cards, ask your creditor to cut it. Make sure that detail is the whole story and nothing but the whole story. Make sure that the information you give about your application is correct and true.
Make sure that if you only look for credit, credit card or mortgage information, make sure that you do not unknowingly allow the lender to make an enquiry and browse your credit reports. Creditors should not look at your credit record until you explicitly ask them to, and if they do, it will put a trail on your record.
Creditors can get jumpy if they see too many of these "footprints" in your record and subsequently reject loans. The reason for this is that they can take several credit scans as proof that you are desperately looking for as much credit as possible or that there are plans for deceptive activities.
Insert more information If necessary, insert more information about past credit issues. For example, if such issues arise after dismissal or Divorce and your finances have meanwhile recovered, you can attach a notice that explains this. If you have been a victim in the past of ID theft, also make sure that any credit issues it causes are eliminated from your files.