Personal Credit Report - Take control of your credit

Personal Credit Report -  Make your credit better!

How to take control of your personal credit report!

The first thing you need to do to improve your personal credit report is get it.  Order your personal credit report online right now.

The next thing you need to do is improve your personal credit report information.  We suggest ordering a full 3-agency report to find out what each agency has recorded on your personal credit report. 

Make sure everything on the report is accurate.  Pay special attention to names, addresses, limits, terms, status open or closed and any incorrect information.

Dispute any and all inaccurate information in your report in writing directly to both the credit bureaus and the party reporting the false information.  Get the addresses for dispute and a sample dispute form and letter when you order you personal credit report.

Try to pay off any collections or past due accounts if you are able. 

Work hard to get to a period of 12 months or more with no late payments on your personal credit report.

Do not apply for credit unless it is necessary.  Applications for credit just to inquire could hurt your score.

Eliminate credit accounts that you are not using or do not need any longer by requesting they be closed if you have too many open accounts.

These are the beginning steps to improving your personal credit report information.  Reward yourself for taking the first responsible step toward improving your personal credit report by getting the information you need now.