Three steps to improve your credit scores!

FIRST STEP

  • Get copies of your full credit reports from all three credit bureaus: Experian, TransUnion, and Equifax.
  • You can get your credit reports free once a year, at www.annualcreditreport.com or by 1-877-322-8228.

SECOND STEP

  • Look for all incorrect information on your credit report and dispute the items because mistakes can happen.
  • If you see any mistakes or questionable items, make a copy of the report and highlight the error.
  • Gather any information that you have to back up your claim and make copies of these as well.
  • Write a letter to the specific credit reporting agency that shows and explain the mistake and include a copy of the highlighted report along with your proof.
  • Send your letter by certified mail, and keep a copy for yourself.
  • The reporting agency has 30 days from the receipt of your letter to respond

THIRD STEP

  • Pay all of your bills on time
  • Pay down debt (especially credit card debt)
  • Avoid applying for credit

Contact me for more assistance and look for more articles in the near future!

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