| If you have ever applied for and been turned down for | | | | the credit bureau has 30 days to investigate. If the |
| credit, you know how humiliating it can be. However, | | | | collection company does not respond, the account |
| there is a way to learn how you can improve your | | | | must be removed from your credit report, which will |
| credit score without the help of an agency that may | | | | instantly improve your credit score. |
| try to charge you money for something you can do | | | | How to Increase Credit Fast |
| yourself. | | | | If you are purchasing a home soon and need a way |
| Do You Know What Is In Your Credit Report? | | | | to boost your score faster, you can piggyback on |
| Many people have no idea what is in their credit report. | | | | someone else's good credit. For instance, let's say your |
| When their application is turned down they assume | | | | aunt Agnes has had the same major credit card for |
| that they must have messed up somewhere and that | | | | 25 years and has never missed a payment, if she will |
| is why their credit rating is not good enough. You have | | | | allow your name to be added to the account, you reap |
| a right to order an annual free credit report from all | | | | the rewards of her excellent credit. If you have a few |
| three credit bureaus. You should always order your | | | | people in your family willing to allow you to piggyback |
| credit reports because you need to go through all | | | | their credit, you will have yours raised in no time. |
| three with a fine tooth comb and make sure the | | | | Never Close Credit Accounts |
| information that is being reported is correct. | | | | It may surprise you to learn that closing credit accounts |
| For instance, let's say you have a bunch of entries that | | | | actually hurts your credit. If you have a credit card |
| you did not make, this hurts your score and you need | | | | open but do not use it, leave it alone. Closing it will |
| to get to the bottom of who is making the credit | | | | make your credit score reduce so it is better to allow |
| entries and why, because with each hard pull credit, | | | | the card to sit dormant than to close it. |
| your score is lowered. | | | | Also, you should always pay your bills on time. This is a |
| Having Negative Entries Removed | | | | sure way to make certain you improve your credit |
| If you have negative entries such as collection | | | | score, but if you have a major purchase like a car or |
| accounts that are not yours, or even if they are, | | | | home, making payments on your credit on time for one |
| dispute them with each credit bureau. After you submit | | | | year will boost your credit score. |
| your dispute that the collection account is not yours, | | | | |