Improving Your Credit Score

By Jill Cullen

It's not easy to clean up your credit report. Not many individuals have a clue of how to do it. The info you find online is many times biased because of commercial intent. So, how do you start to clean 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 do is to get a written copy of your current credit report. Without this, you can't do very much so get this first.

The instant you receive your credit report, start going through it and see if you find any false or incorrect records. Take it easy and make sure you check meticulously, because it is worth it. This step is important.

Be sure to check how many times your credit report was checked lately. If this number seems too high, above 5 for instance, this could have a negative effect on your credit scores. Note the inquiries that don't seem common to you.

If you've checked everything and found any incorrect data, you write a letter to the responsible credit reporting agency. Make sure you include all the necessary information, like your full name, current address, social security number etc. Put 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 geld lenen zonder bkr and goedkoop geld lenen in Dutch.