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Thursday, February 26, 2009

Improving Your Credit Score

By Jill Cullen

Cleaning up your credit report is not the easiest thing in the world. Few individuals have a clue of how to accomplish it. The info you find online is many times biased because of commercial intent. So, what's the best way toclean up our credit report?

Here, we'll review a few important elements of your credit report and how to improve those.

The first thing you want to start is to get a written copy of your current credit report. Without this, you can't do anything so get this first.

The instant you receive your credit report, begin running through it and see if you find any false or inaccurate records. Take it easy and make sure you check meticulously, because it is worth it. Don't miss the importance of this step.

Be sure to take a look at the number of times your credit report was inquired recently. If this number is too high, over 5 for instance, this could have a negative effect on your credit scores. Write down the inquiries that do not seem common to you.

If you've checked everything and found any incorrect data, you write a letter (not an e-mail or a text message...) to the responsible credit reporting agency. Make sure you include all the required information, like your full name, current address, social security number etc. Have everything on paper, this means making a copy of your letters.

By taking these steps, you have taken the first step to cleaning up your credit. Do not be satisfied with evading remarks from some call center employee too quickly, and you may be surprised by a sudden rise in credit!

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