In today's economy, it is now more important than ever to keep a good credit score, as are credit card and loan companies have become when it comes to restrictive lending. Whether you have a low value or in a financial crisis, there are a number of legal steps that you can without having to pay for a lawyer or debt counselor take to repair it. One of the first steps you need to take a copy of your credit report that contains information from all three of the major credit bureaus is obtained.
You are legally entitled to one free credit report per year, which includes your rating from all three major credit bureaus, Equifax, Experian and Trans Union are entitled. It is important to check these reports for errors such as credit accounts that you can not hold and late payments, you do not have arise. Unfortunately, many mistakes by lenders and credit bureaus on a daily basis are made and these can significantly lower your score. If you find errors, these can be removed responsible by filing a dispute with the credit bureau or lender.
Simply applying for credit cards or loans will also affect your credit score, so you should be conservative and the number of credit applications that you fill out. Another effective way to improve your credit rating is by acquiring a sub-prime merchandise card. These are basically the same as a major credit card, except they can only be used with certain Merchandiser - usually the one that gives you the map. By making small purchases and paying off the balance increases your credit score. There are numerous other ways in which you can legally manipulate your credit score, even if you are in a financial crisis, have poor credit or no credit....
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