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Raise Your Score

The value of diligently tracking your credit score is often underestimated. Failure to know what is on your credit rating can keep you from qualifying for loans and in far too many cases will cause you to pay higher interest rates.

The trick to raising your credit score is no secret, but it does take diligence and hard work.

First, check to see what is on your credit report. You can get a FREE copy of your report by filling out the application on our Pre-qualification page. When you receive your credit report, be sure to review it carefully. While most of the information your report will probably be accurate, there may be some information that is completely in error. Be aware of what factors contribute to your credit score. Payment history, account balances, age of established credit, recent inquiries and opened accounts, credit mix are the five major factors that make up your credit score.

The three major national credit bureaus are:

Equifax, P.O. Box 740241, Atlanta, GA 30374-0241; (800) 685-1111.

Experian (formerly TRW), P.O. Box 2002, Allen, TX 75013; (888) EXPERIAN (397-3742).

Trans Union, P.O. Box 1000, Chester, PA 19022; (800) 916-8800.

Here's how your score is sliced and diced - and how to kick it up a notch. Remember: The bigger the slice, the more it affects your score.





If you need help improving your score contact one of our Credit Repair Specialists for a FREE consultation by clicking their link on our HOME page!

Provided By Columbus Credit Solutions : Knowledge Is Power