| With patience you can improve credit report scores. | | | | balances down.. |
| With time and by following the advice in this article you | | | | 3. Short credit history. If your history is less than three |
| can clean bad credit. | | | | years then you just need time. And wise management |
| Getting your report is easy. | | | | or your finances. |
| To improve your scores you need to start by obtaining | | | | 4. Are your types of accounts balanced? Installment |
| your credit report. | | | | loans and credit cards need to be balanced in order to |
| 1. The Annual Report website is an approved site for | | | | improve your credit report. But beware; opening new |
| requesting your report. | | | | accounts just to balance this will hurt you! |
| 2. By calling (877) 322-8228 you can request your | | | | 5. Looking for a new loan? Before allowing your score |
| report by phone. | | | | to be pulled, do your shopping up front. Inquiries can |
| 3. Fill out the PDF form at the FDC site and mail this | | | | hurt your score but if they are within a short time |
| form to: Annual Credit Report Request Service, P.O. | | | | period the damage will be minimal. |
| Box 105281, Atlanta, GA 30348. | | | | The first two are the most important in improving |
| 5 areas are important to improve your scores: | | | | credit scores. Concentrate on these while still |
| 1. Late Payments: You MUST make payments on time. | | | | maintaining the others to best improve credit reports. |
| Payments that are late will hurt your scores. For past | | | | By following these simple tasks, giving it time and being |
| due accounts call your creditors, talk to them. You will | | | | persistent, you can improve credit scores by fixing |
| find that most are willing to work with you to help you | | | | payment histories, paying down balances, spreading |
| get caught up. They will often not post negative | | | | out types of credit and staying away from new credit. |
| reports to your report during this period. If | | | | Pay on time and be the first to call before your |
| overwhelmed with past and current negative reports, | | | | creditor calls you if you will be late on a payment. Find |
| you should contact a non profit credit counselor. | | | | a credit counselor if you are overwhelmed by your |
| 2. Total amount owed is also important. If your credit | | | | credit woes. By being proactive and patient you can |
| limits are maxed, this will drop your score. Pay your | | | | improve credit reports. |