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Step 1
Every year you should get a copy of your credit report. This can be done in several ways. You can obtain your credit from free sites online, paid sites online, through your bank, or anytime you have your credit run you can request a copy for your records
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Step 2
Every time your credit report is run, it removes points. If you have had your credit report run in the last six months before going in for a purchase that requires your credit report, bring in a copy for them to look over. They may still need to pull a copy for their records but at least they can tell you if you qualify on what your credit report shows. This ensures that your credit report is not pulled too many times and you maintain the maximum points on your credit report.
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Step 3
On your credit report there are three companies used to determine your scores and monitor your information. They are TransUnion, Equifax, and Experian. If you find any discrepancies or debts that you dispute on your credit report, report it. You can do this directly with the companies listing the information on your report. You can contact the business that shows the debt on your credit report. Or you can contact your bank and they can assist you with the contact and forms needed to dispute the debt.
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Step 4
It is very important that you are proactive in you efforts to maintain a good credit report. Don't assume that the companies TransUnion, Equifax, and Experian are going to do this for you. False information and debts can show up on your credit report and unless you are monitoring it an incorrect debt could show on your report for years. You maybe paying higher interest rates or wondering why you didn't get that new line of credit. Don't let it happen to you.
