Monitoring Your Credit Report

Are you looking to improve your credit score? If your credit is less than perfect, you will pay higher interest rates and higher premiums for car insurance in many states. You may also be denied unemployment as a result of past financial mistakes. What do you do though when your credit is already bad? How do you clean it up and improve your life in every area? There are ways to accomplish this goal and my credit keeper can be of great help in getting your financial mistakes behind you once and for all.

Outdated and inaccurate information must be removed from your credit report in a timely manner. If you request a credit report and find that it contains information it should not, you will need to contact the credit reporting agency in writing to ask them to remove it. Be sure to request copies of your report from all three agencies as the different reports may have different information. My Credit Keeper can assist you with this also as this can take a great deal of time to request the reports, review them and dispute outdated or inaccurate information.

In addition to contacting the credit reporting agencies, you should also contact the creditor in question. He or she can help to remove the information and often they will help to have it removed in a more timely manner than the credit agency itself. Follow up with both the credit reporting agencies and your creditors until the inaccurate information has been removed. If information is inaccurate such as your address or social security number, you should dispute this as it can affect your overall credit rating. My Credit Keeper can help with this.

If you have had money problems in the past, the best way to improve your score is to pay your debt on time. This will help to improve your credit score. Be aware that each time you request a loan, this information will appear on your report. When you use the services of my credit keeper, they can alert you to others pulling your financial information without your knowledge. Some creditors will do this in order to pre-approve you for a credit card. When they do so, your credit score can be impacted. Make use of the services of my credit keeper so you know what is going on with your credit report at all times. One simple error can have a huge impact on your life.

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