There are laws on the books in many countries, including the U.S., which let those who have found errors on their credit report to contest their inclusion in these reports. Doing so  can really help out your credit score, being that your score is largely affected by what is found on your credit report. This process can be easier than you may think, as long as you are able to prove your position.

Having good credit is all-important these days. So if you do find a problem on your report, you have to take action right away. Give the credit bureau all the relevant documentation you can get a hold of, this will make the process of repairing your credit much easier. Don’t just call the credit bureau and scream at them, this isn’t going to help you or anyone else. Follow the hints below for a better way to go about repairing your credit score.

Do not apply for additional credit while your credit score is still at the "iffy" stage - each time you apply for credit, this gets registered in your record and gives the impression that you are a person who over-extends or uses too much credit

Bills should be paid promptly; skipped payments will lead to you being backed up on bills and at risk of not being able to pay, further damaging your credit. Even though there may be no immediate consequences for skipping a payment, it may come back to haunt you later.

Keep your credit card payments at a level higher than the minimum payment. Don’t overextend your credit limits, your score will thank you later.

Debt consolidation may be a good idea. If you are paying on many debts, the varying interest rates on these debts may be costing you more than you think. Seek some advice from a financial planner on this, it is definitely convenient and may save you money.

Pay with cash, if possible - lots of people walk around with heavy-duty plastic in their wallets.  Dare to be different.  Take the cash out and pay for your merchandise and services with it.

Try to build a relationship with your bank and other financial people involved. With a bond of understanding and trust built, your financial service providers may be more willing to give you a break on minor credit issues.

Credit is both vitally important and easily damaged. Don’t put off doing what needs to be done to repair bad credit. Keep current on your payments and keep records - you can then send these to credit bureaus.

Insist on a correction.  You owe that much to yourself!

SOURCE:Credit Cards

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