How to get my Credit Score

Don’t let anyone fool you into thinking you need to hire a professional to repair your credit. The truth is, there is nothing a credit repair company can do to improve your credit that you can’t do for yourself. So, save yourself some money and the hassle of finding a reputable company and repair your credit yourself. Cleaning up your credit score has a number of benefits like getting the top interest rates on loans. If you want to improve your credit score this article reveals you some easy ways to go about it. When trying to improve credit score you need not need to use a credit repair specialist, you are quite capable of doing it yourself. Why pay out your hard earned money for something you can simply do for yourself at no cost. The initial way to improve credit score is to remove any old or wrong entries that appear on your report. To do this you need to get a copy of your credit report, which you can get for free each year from GET YOUR FREE VIDEOS HERE to help you repair your own credit Once you obtain your free credit report, you want to go over it looking for any discrepancies. These could contain old inquiries, late payments that have been paid and are old so can be removed, or even information that is on your report that doesn’t belong to you. With identity theft on the way up, this is something you want to check on a regular basis – that every item on the report belongs to you. In addition data input mistakes can occur too, so it’s a sensible practice to get your credit report and look it over at least on an annual basis. If you see any discrepancies on the report then you have the right to dispute them with the credit bureau you got the report from. Getting these items deleted will improve credit score. You should to write a letter to them detailing any mistakes and giving a short explanation as to why they are incorrect. If you possess copies of any documents or receipts that will help you verify your disputes, send those along with your letter. This can help the credit reporting agency deal with the problem promptly instead of it dragging on for for a longer time than required because they are waiting on the particular company to get back to them with documentation. You want to send your correspondence by registered mail so you can be sure they take delivery of it, and then allow them some time for the department to look into the disputed items and get back to you. The credit bureaus have 30 days to verify the facts of each entry and if they can’t be verified as current and accurate, after that they will be removed off your report. Getting those inaccurate and out of date bits and pieces removed will pick up credit score and will be reflected on your report in a short period of time. The kinds of credit which you presently have can have a bearing on your credit score. The credit bureaus and lenders like to be able to see that you can control your finances in all areas. It can be good for your FICO score to have quite a few loans, a mortgage and credit cards which you pay off regularly. The key point here is that you do pay them off regularly. For a clean start and a higher credit score, you can enhance your credit score easily, watch these 5 Free Videos with the link below, that will give you advice on how to repair your credit promptly and legally by yourself, it will save you a lot of money GET YOUR FREE VIDEOS HERE to help you repair your own credit Related Articles – credit repair, credit rating repair, credit report repair, credit repair service, free credit repair, credit, fix my credit, fix your credit, how to f, Email this Article to a Friend! Receive Articles like this one direct to your email box!Subscribe for free today!