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Is Your Credit Due For A Cleaning?- Find out about your credit history with all three national credit bureaus. You can do this by purchasing a 3-in-1 Credit Report. This complete credit picture will allow you to check your entire report for inaccuracies. Any inaccuracies you find should be corrected immediately by contacting the creditor with whom the error resides. For more information on disputing errors, go to http://www.truecredit.com, click on the Credit Central link, then choose “How do I dispute inaccurate information on my credit report?" You must check your credit report regularly to ensure no new errors or derogatory marks have appeared. - Don’t apply for many credit cards over a short period of time, or apply for a card you don’t think you’ll get. Many inquiries look bad and can impact your credit in a negative way. However, it’s still okay to shop around for a loan when you’re making a large purchase such as a car or home. As long as your inquiries for an automobile or mortgage deal are all within a 30-day period, many credit scoring programs and creditors will disregard the multiple inquiries or consider them as only one inquiry. - Keep track of what debt level compared to your available credit. If you have several cards that have balances close to their limit, creditors might worry that you are living beyond your means. In general, debt of 75% or more of your total available credit does not look good. - Close any accounts you aren’t using. Lenders look at the total damage you could do if you decided to go on a serious spending spree. So the less accounts you have open, the less of a risk you are. On the other hand, lenders want to see your ability to handle more than one account. Aim for a total of four cards (including gas and department store cards). - If you have some serious credit issues from the past, or if you’ve only had credit for a short time, it’s a good idea to open a gas, department store, or credit card account (there are usually special cards for high credit risk customers). By using the card regularly and making your payments on time, you will establish yourself as a careful credit user. Once you’ve started to mend your credit, it’s a good idea to keep aware of what’s happening with your credit report. The best way to do this is with TrueCredit’s new Credit Monitor. When you enroll in Credit Monitor’s yearlong program, you will receive weekly emails alerting you to any changes in your credit report. For more information on Credit Monitor, click here.  Get a free consultation from a credit professional! Improve your FICO score and remove inaccurate and duplicate information from your credit reports! Click here  Get a free and easy-to-understand credit report and credit score from Experian. Instant access online. Click here  Get a FREE credit report, FREE credit score and FREE debt analysis in seconds! Plus enjoy a 30-day trial of credit monitoring. Click here  Get your 3-in-1 credit report and FREE credit score. Check data from all three credit bureaus: Experian, Equifax, and TransUnion. Click here  Get a free 3-in-1 Credit Report and Triple Score which merges your credit information and scores from all three credit reporting bureaus. Click here  See your credit report and credit score online! Easy-to-read report with personalized tips on ways to improve your credit rating. Security guaranteed. Click here |
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