800CreditScore.com is a credit repair company that helps people improve their credit scores. The company offers a variety of services, including credit counseling, credit report analysis, and credit repair.
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The first step is to get a credit report from all three credit bureaus- Experian, Equifax, and TransUnion.
The first step is to get a credit report from all three credit bureaus- Experian, Equifax, and TransUnion. You can do this by going to www.annualcreditreport.com. By law, you are entitled to one free credit report from each bureau every year.
Next, you need to check your credit score. Your credit score is a number that ranges from 300-850 and is based on your credit history. The higher your score, the better. You can get your credit score for free from www.creditkarma.com or www.creditsesame.com.
Once you have your credit report and score, you need to start working on improving your credit score. The first thing you need to do is make sure that all the information on your credit report is accurate. If there are any errors, you need to dispute them with the credit bureau right away.
Next, you need to start paying all of your bills on time, every time. This includes your rent, utilities, car payments, student loans, and any other kind of bill you have. Even one late payment can hurt your credit score significantly.
You also need to keep your balances low on your credit cards and other revolving accounts such as store cards and lines of credit. Your revolving utilization ratio (the amount of debt you have divided by the amount of availableCredit) should be below 30% for optimal results.
Lastly, don’t apply for new lines of Credit or loans unless absolutely necessary as each hard inquiry will lower your score by a few points temporarily