| Do you know what is on your credit report? Have you | | | | and dispute anything that is not reported correctly or is |
| seen a copy of your credit report recently? Your | | | | not yours. The creditors on your report will have 30 |
| credit report will show all your debts, credit cards, | | | | days to report the account accurately or it will be |
| employer and past employers, address and past | | | | removed from your report for good. |
| addresses, any judgments from being sued, and a | | | | Now raising your credit score 100 points is pretty easy. |
| score to give financial institutions an idea of how good | | | | First, look and see how many times your credit has |
| or bad your credit is. It is important to check and make | | | | been pulled in the past 90 days. Take the amount of |
| sure you have a clean credit report once every 6 | | | | times and multiply it by 3. That is how many credit |
| months. | | | | points you will receive when all of those inquiries come |
| If you have not seen your credit report ever or it has | | | | off your credit report. |
| been a long time, then the first thing you need to do is | | | | Next, if you have any past due accounts, then pay |
| obtain a copy of all three of your credit reports. There | | | | them off or at least catch them up. After you have |
| will be one from Equifax, Experian, and Trans Union. | | | | done so write a letter to the creditor asking them to |
| They will be very similar, but may vary just a little bit. | | | | update the account so that you will get a better credit |
| You need to know what is on all three of them. | | | | score. |
| Now in order to get a clean credit report you will have | | | | The last thing you can do, if you do not have much on |
| to go through all three reports and see what is really | | | | the positive side is get a credit card or small loan. Pay |
| yours, what is old, what is reported wrong, and what | | | | the monthly payments on time and never miss or be |
| might not even be a debt of yours. Sometimes things | | | | late. This will help raise your score and will combat |
| do get reported wrong and this can really hurt your | | | | some of the negative items on your clean credit |
| credit. | | | | report. |
| Next, write a letter to all three credit reporting agencies | | | | |