A credit report will give you a great idea of why your score is the number it is. A report is an accurate description of how you used your credit. Repair will not happen overnight, but will receive a report giving you a good idea of where to start.
If you check your report for the last account activity. Look through and make sure that all account transactions was made by you. If you see any hint of mixed accounts, or signs of identity theft get it corrected immediately to protect your guests.
If you have any paid off and closed accounts have to be sure that the status is listed as zero. Also check that it is "paid and closed". If the credit line closed recently, it may not show up on your credit report for 1-2 months.
Check how many inquiries have been made about your credit. Anyone interested in your credit information? See who they are if they look familiar. Also note the amount of requests, since more than one request for a period of 6 months to lower your credit score.
Check your current credit status. It's good to get a new credit report once a year. In this way, twice for things that you can check to hurt your credit score.
Check how many negative strikes you have on your report. This includes things like late payments, reduced to a credit scores. These things should be listed on your report for at least seven years.
If you have filed insolvency before this obviously hurt your credit score significantly. Bankruptcy usually lasts on your credit report for at least a decade. If any negative items are out of date to be sure your credit repair company to contact, they get removed from your credit history.
Finally, it is important that all of your personal information up to date. Watch out for any misleading information in your report. This may be a sign of identity theft or confusion with another person's credit history.
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