Getting and Keeping a Good Credit Score Depends on Your Credit Reports

Getting and Keeping a Good Credit Score Depends on Your Credit Reports

Your credit scores depend on what is in your credit reports. Your credit reports have information on how you have used credit, how much credit you have available, how much credit you are using, whether you made payments when due, and whether any creditor has sent an account to a debt collector.

Credit scores are numbers that designed to predict how likely you are to pay back a loan.

The most basic and important actions you can take to get and keep a good credit score are as follows:

  • Pay your bills on time.
  • Don’t get too close to your credit limit–don’t “max out” your credit cards.
  • The longer your credit history the better.
  • Get your credit reports (free once a year at www.annualcreditreport.com or call 1.877.322.8228) and check for errors. Dispute any errors by going online or by writing a letter to Experian, Equifax and Trans Union. You have a right to get the agencies to correct inaccuracies.
  • Don’t pay fees to credit repair companies. Send in your own disputes to the credit reporting agencies and you’ll achieve better results.

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