To order your free annual credit report from each of the major credit bureaus visit AnnualCreditReport.com. Be aware that you will need to have a good bit of data to help identify you as the rightfull owner of the credit file you are requesting.

You can also get your credit report free by requesting them in writing or by phone. To order call 1-877-322-8228 begin_of_the_skype_highlighting              1-877-322-8228      end_of_the_skype_highlighting, or complete the Annual Credit Report Request Form and mail it to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281.

An easier (and faster way) to get your credit report free is to take advantage of a free credit report offer from a company such as this one. This is especially useful if you are looking to monitor your credit but have already requested your one annual credit report.

In this post I will review some important factors affect most critical aspects relating to the matter of how to improve a bad credit score. This is a topic that is confusing to many people, so I will try to point out the most critical aspects to focus on.

Before you go into any details about how to improve your credit scores you first need to be review your credit report. Start off by requesting credit reports from all 3 of the major credit reporting agencies (TransUnion, Experian and Equifax). After you order your credit report and receive each one, you want to comb over each report with a fine tooth comb looking for inaccurate information such as duplicate records and accounts that contain erroneous information or do not belong to you.
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We recently posted a new credit education presentation on slideshare called: Understanding Credit Scoring.

Get a detailed overview of factors that determine a credit score – and to what extent. Factors include time at present residence, lines of revolving credit, bank accounts.  The bottom line is as follows…

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Your credit report contains information about where you live, how you pay your bills, and whether you’ve been sued or arrested, or have filed for bankruptcy. Consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. Don’t wait until it’s time to apply for a car loan or other major purchase to check your credit.

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. Some financial advisors and consumer advocates suggest that you review your credit report periodically. Read the rest of this entry »