Sunday, January 18, 2009

You want to improve your Credit Score….simple ways are here.

Credit score is one of the most important point while you are going to take loan for your home or for your car. Basically all the lenders will check your credit score before approve that loan. So, you should be careful when it comes to your caredit score. You need to check all the data which is included in your credit report & make sure all informations are completely up to the mark. Here are some important ideas that you can do to always make sure that you maintain a high credit score.

Firstly, you need to take a free copy of your credit report form all the major reporting agencies. Those reporting companies will provide this report once in a year, so you need to take that facility before spending any money to make your actual report.

Secondly, Check the report carefully & look into its 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.

Last but not the least, always pay your credit card bills on time. And I think this will help to raise your credit score.

One another point I forget to tell that keep low balances on your credit cards. It will help you to improve the score. Generally most of the people charge up there balances into higher level & this will make your credit score low.


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