| Many people who want to improve their credit do so | | | | you look hard enough. Once you have your report, |
| when they are applying for a loan or other type of | | | | identify any marks on it that you don't recognize. Many |
| credit. This is a problem because, without the proper | | | | people have negative marks on their report that |
| steps, it can be difficult to quickly increase your credit | | | | shouldn't be there. Dispute anything that looks to be |
| score enough to get the rates on loans that you want. | | | | amiss. |
| Unless you're making drastic changes (or just stop | | | | Second, if you don't have any, get a credit card. It |
| paying your bills), your score will change very gradually, | | | | doesn't have to have a huge limit, just something small |
| to the note of 10-20 points every few months. Your | | | | that you can make minor purchases on and pay off |
| score is supposed to be an indicator of long-term | | | | on time. By doing this, your financial activity will begin to |
| financial responsibility and performance, and as such is | | | | show up on your report and will raise your score by |
| designed to not change drastically. | | | | showing that you are responsible with your money. |
| There are two ways to get a nice boost to your | | | | These are just a few of the many ways that you can |
| credit over just a few months. | | | | increase your credit score. It can take a long time to |
| First, pull your credit report. There are a number of | | | | get there, but it's quite worth it in many ways. |
| ways to do this, and it can be done for entirely free if | | | | |