| You need to use the following methods to increase | | | | happen again. |
| credit score: | | | | Follow up on creditors and reporting bureaus |
| Go online to get your report | | | | Don't expect your first contact to resolve your issues. |
| The reporting bureaus (Trans Union, Equifax and | | | | Check your credit report again if you notice that the |
| Experian) allow you to order ratings and scores and | | | | same creditor and credit agency has you listed as |
| credit reports online. There's also a free site called that | | | | having errors such as late payments. Speak to the |
| allows you get free credit reports online from all three | | | | creditor and credit agency and ask how to resolve the |
| bureaus once a year. It's a site sponsored by all three | | | | problem. Persistence is the key to getting errors |
| agencies and works in accordance with the Fair and | | | | removed. |
| Accurate Credit Transactions Act (FACTA). | | | | Follow up on closed accounts |
| Contact creditors and reporting bureaus | | | | Consider this scenario: you closed a store card years |
| When correcting inaccuracies in your report it's | | | | ago yet somehow but is it still listed as an open |
| important to contact all parties involved. The | | | | account. This is very common. Mix-ups and mistakes |
| information reported about you to credit reporting | | | | happen, often quite frequently when it comes to |
| bureaus may or may not have errors. If it has errors | | | | information. You need to follow up on closed accounts |
| contact the credit agency to make sure that they fix | | | | with the creditor and credit agencies. |
| the problem. Contacting all agencies so that it does not | | | | |