Things You'll Need:
- Credit Report
- Notebook
- Pen
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Step 1
Take notes when you call a financial institution.Obtain your credit report from TransUnion. Call or go online to determine the preferred method for requesting the report. Take notes if you call, keeping track of the names of people you talk to. If there are any errors, contact the reporting agency. The reporting agency is the only institution that can have the error removed. Be prepared to provide proof of the error.
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Step 2
Make payments on time.Reduce the balances on your credit cards. Having balances near the limits will lower your TransUnion credit score.
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Step 3
Consider getting a second mortgage or using your line of credit to pay off a credit card balance. The amount owed on a second mortgage will not reflect negatively on your credit score like a balance on a credit card would.
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Step 4
Don't pay cash for a new car purchase.Obtain a loan for a new car instead of paying cash. The loan will help you to build a credit history, although you need to make sure you keep making payments on time. Like with a second mortgage, car loans don't reflect negatively like credit card balances.
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Step 5
Continue making payments over time. A history of credit and making payments plays a large role in determining the credit score from TransUnion.
