Do You Sincerely Want to Improve Your Credit?
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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