So your credit score is lower than you’d like and you’re interested in working towards a higher score, but you don’t know where to start? Are you feeling overwhelmed by the big fundraising project itself? Well, never fear ASAP Credit Repair is here! We are your friendly, local credit repair service and we want to help. In addition to providing comprehensive credit restoration services austin, we also want to make sure you have the tools you need to repair your credit (and maintain that score) yourself. So today, we’re going to break down credit repair into seven simple steps you can take.
Your credit report includes information about how you used credit over the past ten years. There are three credit bureaus, Equifax, Experian and TransUnion, and you have a different credit report waiting for each one, with access to the report once a year. Most payers report on all three, but not all, so it’s worth checking the information on all three reports, because they can vary from office to office. Your credit report is used to calculate your credit score, and it’s important to check it. Don’t forget to check your credit score. You can check your score for free from credit score websites or some credit card providers and banks. Your personal score check requires only indirect credit inquiries, which will not affect your score. Sometimes credit bureaus make mistakes.

“Sometimes” can be replaced with “often”. The Federal Trade Commission conducted a study that found that 25 percent of people have errors in their financial statements, and 5% of those have errors that make getting a loan more expensive. ugh. So, if you find mistakes in your story, follow them and challenge them. It can make all the difference if you are looking for a loan.