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Credit has become a noose to many first time home buyer. There are ways to loosen that noose.
One way is to ga copy of your credit report from all three credit bureaus. The credit bureaus are required to furnish a free copy of your credit report once a year and to provide a copy if you are denied credit. To get your copy simply write, call, or apply on line:
- Equifax Post Office Box 740241 Atlanta, Georgia 30374 or call at 800 685 1111 www.equifax.com/fcra
- Transunion Post Office Box 1000 Chester, PA 19022 800 916 8800 www.transunion.com
- Experian Post Office Box 2104 Allen, TX 75013 800 493 1058 www.experian.com
You will need to provide proof of who you are. You can accomplish that by providing a copy of your:
- driver’s license
- social security card
- addresses for the last five years
Still yet, another way that you can improve your credit is:
- pay your debt on time
- only use 30 percent of your debt
- do not cancel credit cards that you have had for years
- do not apply for new credit
- get and maintain different types of credit (ie home, car, credit cards, etc)
To learn more about improving your credit also read:
Related articles on credit
- History of Credit Bureaus: Equifax, Experian, TransUnion & Innovis (bargaineering.com)
- FTC Approves Federal Register Notice Announcing Increase in the Ceiling on Allowable Charges Required By Section 612(f) of the Fair Credit Reporting Act (ftc.gov)
- ‘Free’ credit reports scam (tech.bl0x.info)
- Should You Sign Up for a Credit Monitoring Service? (hsh.com)
- How to Prepare Your Credit for a Home Loan (homeloans.org)
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Hi. Very nice Blog. Not really what i have searched over Google, but thanks for the information. Can you email me back, please. Thank you.
Thanks 4 A Good Read! I’ve found out Credit Free Report is a great site to get my credit and get my score for free. Has Anyone else used them?
I have been hunting everywhere for this! Finally I found it on Google.
Thx
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Thanks for This Good Read! I’ve found out Get Free Credit Report is a quality website to aquire my free credit report & get my score 4 free. Has anbody else tried them?
Completely agree with your comments on this – thanks for taking the time to post.
Enormous post – and good domain by the way!
My credit score last year got lower because i have some unpaid bills on my credit card company and i also lost my job.*”~
i am not a fan of having credits and getting credits cards.’”*
i had a bad credit score last year but i was able to fix it now.’-`
I don’t know what to say except that I have enjoyed reading. Nice blog. I will keep visiting this blog very often.
I thought it was going to be some boring old post, but it really compensated for my time. I will post a link to this page on my blog. I am sure my visitors will find that very useful.
i always avoid to have bad credit because i want a great credit score-”"
in this times of economic recession, sometimes it is difficult to have a great credit score.”.