Easy ways for improving your credit score
One of the most important things when it comes to getting a loan for a house or a car is our credit scores. Most lenders will check with the credit agencies and see what your credit score is before they approve or deny you a loan. You must be proactive when it comes to your credit score and it is up to you to make sure that all items on your report are accurate. There are some fast and easy things that you can do to always make sure that you maintain a high credit score.
The first thing that you need to do is to get a free copy of your credit report from all three major reporting agencies. They are required to give you a free copy once a year so make sure that you take advantage of this before you spend money to get your report.
Next you need to go through the report and check for accuracy because if there are items you do not agree with being reported then you must dispute these items with the agency. The agency after they get your dispute has 30 days to verify if the items is accurate or not. If they can not verify it within 30 days then by law it must be removed from your credit report.
Also it is most important that you always pay your credit card bills on time and this will help raise your credit score as well. One other great way to improve your credit score is to keep low balances on your credit cards. Many people charge up there balances too high and this will cause your score to be lower.
