Step 1: Get all 3 credit reports from annualcreditreport.com and note every negative account that’s hurting your credit. Step 2: Circle what’s inaccurate, unverifiable, or incomplete — those are your leverage points for disputes. Step 3: Update all personal info (name, address, employer etc.) to only reflect your legal name, DOB and current address. No aliases or old addresses etc. Step 4: Dispute all inaccurate info directly with the bureaus under the Fair Credit Reporting Act (FCRA). Step 5: D