How To Improve My Credit Score

Chances are you are deciding to look deeper into your credit status if you are seeking employment, to purchase or refinance a home, buying a car, etc. It is an excellent idea to first get educated on the entire process of what your rights are in researching your credit background. Anytime you are denied credit, you could request a free copy of your credit report within 60 days of being notified of the denial. You are also entitled to obtain a free copy of your credit report once a year if you are unemployed and are seeking employment within 60 days of your request for your free copy, if you are on welfare, or if you are experiencing any type of fraud or identity theft.

Once you receive your free credit report from the bureaus, should you find anything that does in fact prove to be inaccurate or unverifiable; you do have the right to dispute this with the creditor and report it to each of the credit bureaus to attempt to get it removed. It is very important for you to determine the difference between the inaccurate or unverifiable information and the accurate negative credit you are seeing on your report so that you know what you need to dispute. Any accurate negative information such as collections or a bankruptcy can stay on your credit for seven to ten years or more.

Remember – you can not manage what you do not measure so the first thing you need to do is find out your credit score.  There are a lot of places you can get a copy.  Some at no charge..

Come back soon and we will show you how to fix that credit score…