Get Your Free Credit Score, and Improve It!
Ever wonder what your Credit Score is? Ever been denied credit? Do the offers you do get come with a high interest rate? If so, you’re likely one of the more than 30 million people in the United States with credit blemishes severe enough (credit score under 620) to make obtaining loans and credit cards with reasonable terms difficult.
So what can you do to improve your credit score? The Federal Trade Commission recommends the first step you take is to request a copy of your credit report and study it carefully. A lot of times, low scores can be blamed on errors in your report.
By law, credit bureaus must keep your information accurate, which includes keeping it up-to-date. If your report says you have filed for bankruptcy when you have not, or that you failed to pay a bill and were sued for nonpayment, but fails to reflect that you eventually made good on the debt, then it is not up to date.
You have a right, and duty to yourself, to dispute inaccurate or incomplete information in your report. You can do this by writing a letter to the creditor that includes your name, address, account number and the nature of your dispute. But it often takes weeks to get a response.
Sign up with Credit Report Pro affiliate ConsumerInfo and get started on your free credit report today!
