| Without hiring a credit counselor and without spending | | | | may keep you from being focused on your job. |
| any money, you can increase your credit score 100 | | | | Your credit score is actually used to hire, fire and |
| points entirely on your own. By following these steps, | | | | decisions for promotions. |
| you can increase your rating in just a short period of | | | | So how can you raise your rating in a matter of |
| time. | | | | minutes? |
| Why would you want to do this? | | | | The easiest and fastest way to do this is to find all of |
| Besides using your score to get approved for a loan, | | | | the negative information on all 3 of your files. Chances |
| this rating is an important piece of information for many | | | | are you'll find a few of these items that are not |
| other purposes. For example, credit card companies | | | | accurate. For instance, there may be an items that is |
| are sending out notices to consumers that their | | | | older than 7 years old, which by law should no longer |
| spending limit is being reduced from $10,000 to a | | | | be on your report and affecting your score. |
| measly $500 because of decisions they have to make | | | | You can also find delinquencies for accounts you |
| with the credit crunch. | | | | never even owned, late payments for credit cards |
| Who else is checking your score? | | | | that were closed years ago. Once you find these |
| Your boss or potential employer regularly runs | | | | mistakes, notify the reporting agency and demand that |
| background checks, which includes your credit rating. | | | | the items be removed. By law, they must remove the |
| Why would they want to see this? It is an indicator of | | | | mistakes and as a result your score could increase |
| how responsible you are, how often you move, and if | | | | 100 points or more for less than 45 minutes of work. |
| you have any major personal issues in your life that | | | | |