5 Effective Ways to Fix Delinquency on Credit Report

1. Download Credit Report and Verify the Accuracy: In some cases, there are discrepancies on the report that reduce the score. Check for it and report if existing

2. Negotiate with Creditors: Request a "goodwill adjustment" if you have a record of timely payments and the delinquency was a one-time occurrence.

3. Settle Outstanding Debts: If there are any outstanding dues, pay them immediately, as they are likely causing the delinquency.

4. Dispute Errors: If you find any inaccuracies, dispute them with the credit bureau reporting the error. You can file disputes online, by phone, or by mail.

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