When you are getting mortgage rate quotes, one of the biggest things that will factor into the quote you get is your credit score. It doesn’t matter to banks if you are an honest hard working person. In today’s world that isn’t enough. Your credit report has to be good.

If you currently struggle with bad credit, know that you are not alone. Millions of people struggle with bad credit. Poor credit can affect your ability to purchase a home. If you need to clear up your credit quickly, there are ways to do it.

First thing you need to do is track down your credit report. This can be done through a variety of ways online. There you can see what is being reported about your credit. One of the things people don’t always realize is that there is often false information on your report. It happens a lot and people don’t do what is necessary to clear it up.

If you find that there is false information on your report, then what you need to do is write a letter to whichever of the three major credit bureaus is reporting the false information. Write the letter and include a copy of your drivers license and your social security card so they can verify your identity.

The credit bureaus will contact the places reporting the false information and those companies will have 30 days from that time to prove that the information is correct. If they cannot, it will be taken off your record.

Understand that this process is not an overnight fix. It could take a few months for it to be cleared from your record, but the result of that will be a credit report you can feel good about when heading to purchase a new home.