Credit scoring is nothing new, it’s been used for 4 decades.
If you are suffering from a low credit score then it’s very important that you learn how to increase your credit score. This very important task can be completed all on your own rather then hiring someone for around $600. It’s easy and I will tell you just how to do this because there are many different things that you can do to increase a credit score.
First off you will need to get a copy of your credit report and find out exactly what is on it. What you are looking for is if there is anything in it that is not correct. If you find any incorrect information you will need to contact your creditors. You can do this through the mail. You are going to send them a letter stating that the information that they are reporting on your credit report is inaccurate. It’s important that you state all the information that they are reporting and why you feel that it is not correct. If you have any documents to back up your claim then you should include a copy of it with this letter.
The credit reporting agency has 30 days to investigate your claim, and then they will do one of two things. They will find the claim to be true and change the information on your credit report and then send you an updated credit report. Or they will find your claim to be false and keep the information on your report exactly as it was. You will need to repeat this process for each of the credit reporting agencies and send a separate letter for each claim that you make.
This is only the first step to increase your credit score. There are many things that you are going to have to do in order to increase credit score.
After you have begun the process of removing the incorrect data on your credit report you can now begin paying down the high balances that you have. A high balance will lower your credit score drastically. This is because it affects the debt ratio, which is the amount you owe versus the amount of credit you have available to you. You can select one to pay down each month if you have more than one.
Just doing these two things alone is a great way to increase your credit score. Remember you score will not instantly increase this all takes time so be patient.
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