Consumer credit report Bowling Green

If you are forced to miss a payment, make sure you tell the creditor and make the payment the following month.

You should obtain your credit history from a credit reference agency and make sure consumer credit report Bowling Green everything is correct and up to date. For example, if you have paid a debt that was the subject of a county court judgment, make sure it is shown on the file. Being on the electoral consumer credit report Bowling Green roll correctly is essential.

A mix-up in something as simple as house number can cause major problems. Often people find that simple measures such as making sure you are on the electoral roll or filling out credit application forms correctly will help boost your rating. If a bankruptcy order is annulled ensure a copy of the order of discharge or annulment is distributed to credit agencies. Lenders can also search your credit report more than once during a single application and if this occurs you should again alert credit reference agencies. check my free credit report

Reference agencies also allow people to explain why they may have had a period of poor credit performance. Consumers can attach a 'notice of correction' on their report explaining why they missed payments. What does my credit score tell me? Your basic credit score tells you very consumer credit report Bowling Green little and is pretty useless. It will be a number that indicates whether you consumer credit report Bowling Green are a good or bad payer of bills. For example, with Equifax a score below 299 is very poor, 300-349 is poor, consumer credit report Bowling Green 350-399 is fair, 400-474 is good and above 475 is excellent. on credit report

Whereas Experian's consumer credit report Bowling Green credit score ranges from 0-1000 and a score above 961 is excellent. Government measures mean that the main consumer credit report Bowling Green three credit agencies (Equifax, Experian and Callcredit) have to offer a statutory credit consumer credit report Bowling Green report on their websites for a Ј2 fee. Alternatively, you can have this type of report posted to you for the same price. To get a better indication of how you can improve your credit score, consumer credit report Bowling Green you can also get a more detailed (and expensive) credit report. With this, you get a full list of your credit agreements.

One alternative way of boosting your rating is taking out store cards or credit cards, using them and paying off the balances on a regular basis. Opening a consumer credit report Bowling Green variety of accounts will speed up the process, but be sure to clear balances regularly to avoid sky high interest charges. free credit report new york

And don't fall in to consumer credit report Bowling Green the trap of missing payments and thereby making your consumer credit report Bowling Green situation worse. It may be worthwhile asking a family member or good friend with a good credit history to co-sign for a small loan or credit card.

This will re-establish good consumer credit report Bowling Green credit in your own name.