Improving Your Credit Score
Cleaning up your credit report is not the easiest thing in the world. Few individuals have a clue of how to accomplish it. The info you find online is many times biased because of commercial intent. So, what's the best way toclean up our credit report?
In this article, we will see a few important elements of your credit report and how to improve those.
The first thing you want to start is to get a written copy of your current credit report. Without this, you can't do anything so get this first.
The instant you receive your credit report, begin running through it and see if you find any wrong or incorrect records. Take it easy and be sure you check meticulously, because it is worth it. This is an imporant step.
Be sure to check how many times your credit report was checked lately. If this number seems too high, over 5 for instance, this can have a negative effect on your credit scores. Note the inquiries that do not seem common to you.
If you've checked everything and found any incorrect data, you write a letter (not an e-mail or a text message...) to the responsible credit reporting agency. Make sure you include all the required information, like your full name, current address, social security number etc. Have everything on paper, this means making a copy of your letters.
This way, you have taken the first step to cleaning up your credit. Don't be satisfied with evading remarks from some call center employee too quickly, and you may see your credit report improving very soon!
In this article, we will see a few important elements of your credit report and how to improve those.
The first thing you want to start is to get a written copy of your current credit report. Without this, you can't do anything so get this first.
The instant you receive your credit report, begin running through it and see if you find any wrong or incorrect records. Take it easy and be sure you check meticulously, because it is worth it. This is an imporant step.
Be sure to check how many times your credit report was checked lately. If this number seems too high, over 5 for instance, this can have a negative effect on your credit scores. Note the inquiries that do not seem common to you.
If you've checked everything and found any incorrect data, you write a letter (not an e-mail or a text message...) to the responsible credit reporting agency. Make sure you include all the required information, like your full name, current address, social security number etc. Have everything on paper, this means making a copy of your letters.
This way, you have taken the first step to cleaning up your credit. Don't be satisfied with evading remarks from some call center employee too quickly, and you may see your credit report improving very soon!
About the Author:
Jill writes about financial matters and credit scores. She also writes about lenen zonder bkr and geld lenen in Dutch.
posted by Debt Consolidation Loan at
2:48 AM
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