Step 1: First thing I’d do is pull my credit report, break it down and figure out what I need to attack! Step 2: Next, I’d clean up my personal info—removing old addresses and incorrect names etc Step 3: I’d list out all negative accounts—late payments, collections, charge-offs—and dispute them using consumer laws. For late payments, I’d hit them with FCRA 15 U.S.C. § 1681s-2(a) (furnishers must report accurate information) and demand proper verification. For collections, I’d use FDCPA 15 U.S.C.

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