The good news is that you can also improve your credit history for yourself. Of course, this will take a little more time, and you will have to do research and educate yourself how to do it. But, this is an education that will pay you back for a long time.
Get Your Credit Report
Before trying to repair your credit, you must understand that it contains your report or report. You can get this report every year for free, from each of the three credit bureaus. These are Equifax, Transunion, and Experian. The website to request the report is AnnualCreditReport.com. The story DOES NOT contain the credit score, only the activities, and personal information. To obtain the score you must purchase it from the bureaus, and this is a paid service. Generally, the FICO Score costs $ 20 to get a score per bureau.
Other commercial websites offer a free credit report. Most will give you the story without the score or FICO Score. Two of these are Credit Sesame and Credit Karma. Although these pages do not give you the free Score, you can use the free report to review your history and educate yourself on the subject.
Check The Entries On Your Credit Report
The credit report contains this information: Personal data, contrary activities, entries in excellent condition (e.g., payments), public information (e.g., an order of the courts) and the name of the businesses that have obtained your report (e.g., banks).
Personal data – it is important to review this information, such as name, address, social security number, etc. If you notice that this information contains errors, it may be a simple error or a sign of fraud. You must contact the bureaus if these data include errors.
Contrary activities – This part contains entries such as accounts in collection, late payments, unpaid accounts, medical bills, but may also include small items such as electricity bills or unpaid phone bills. Even if you have paid these bills, they may still appear in your history.
Public information – this part contains the activities related to the courts, such as bankruptcy, civil trial order, etc. You will find names of the plaintiffs, trial dates, balance to pay, etc. This article was brought to you by the best california credit repair company.