Annual Credit Report.com - Improving Your Credit Rating

You should know that checking your annual credit report is important in maintaining your credit worthiness as seen by your lenders, creditors, employers and landlords. Many people don't pay as much attention to this (as they should) until they've applied for credit and been rejected and/or offered high interest terms. There are many simple steps you can take to improve your annual credit scores so that this doesn't happen to you.*annual credit report.com

It's important to request a copy of your annual credit scores from the three major credit reporting agencies, Transunion, Equifax, and Experian. Individuals should check their annual credit report & scores often to make sure there aren't any inaccuracies showing in their credit history. Each of these agencies independently collects and reports your credit data information, so there may be discrepancies present between them.

The best way to improve your annual credit report rating is to make sure that your credit information is accurate, and to address any discrepencies that may be inaccurate or out-of-date. Even if you don't find any inaccuracies, take the time to evaluate your credit report every three months if possible. Try to reduce any outstanding balances below 50% of your allowed credit limit, which will also help to improve your credit scores. It's also important to pay bills on time and not become past due on credit cards, car payments, or home mortgage payments. *annualfreecreditreport.com

Excessive inquiries into your credit scores by various lenders within a short period of time can also be damaging to your credit score, so be sure that you are knowledgeable about your credit standing and use your credit limits wisely. People with good to excellent credit scores are able to enjoy lower annual percentage rates, while those with low to poor credit scores are less likely to receive satisfactory interest rates. With that in mind, checking your credit report with Annual Credit Report.com will NOT affect your credit scores negatively the way it does when lenders put in their own inquiries. *freecreditreport.gov

By reviewing your credit report with Annual Credit Report.com you're able to track common errors and monitor for signs of fraud and/or identity theft. It is paramount to your financial standing to understand your credit scores and make a commitment in taking the steps necessary to increase your overall credit rating. Pay off credit cards as soon as possible and only use them periodically to bolster your credit rating. Another excellent way for individuals with poor credit to improve their credit standing is to obtain a pre-paid credit card (or other secured account) and then pay them off quickly.

Click Below To View Your Free Annual Credit Report Within A Printable Format. *only united states consumers are eligible to receive one free credit report & scores per year.

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