A good credit scores range is very important to possess when it comes for applying loans and credit cards. People wonder as to how to improve credit score fast or how to check my credit store. Well there are many ways for it which you can learn.
How to check my credit store?
- The first and foremost thing to do is to verify if the information that is there on the credit reports, is correct or incorrect.
- Make sure that the name, contact number, social security number, employment information, birth date etc is correct or not.
- You need to verify each account with the transactions and payment details to know that they are mentioned correctly. Check the dates as well.
If you find any errors in your report, then you need to report to the respective credit agency immediately and make a request to correct them. The three credit agencies are as follows: Equifax, TransUnion and Experian. The credit scores range is calculated depending upon your credit report information which is: Amount in your account, the number of years where the account is holding, payment details of various bills, history of account etc. The following are the ways as to how to improve credit score fast:
- Eliminate the errors within 48 hours: This is the quickest way to improve your credit score. You will have to eliminate the errors as soon as possible in order to raise the score. It can be very helpful when you apply for loans. You can make a request to the respective loan officer in order to make a rapid rescore, if there is any error found while applying loans. But the quick rescore will need a lot of legal paperwork.
- Delete negative credit: There are repair clinics for credit that helps to clean our credit reports. Instead of paying them to clean, one can remove the errors themselves. In order to delete the negative credits, there is a need for advanced methods to be followed. But the ideal way is to dispute a letter. You can also attach the paperwork as mentioned above, as a form of proof in order to get rapid results from the credit agencies. Even if there is no proof, the agencies will validate for the correct information from the creditor and then correct the errors.
- Use someone’s credit: This is a rapid way of scoring up your credit. It requires a lot of trusting relationship. For instance, when you apply for the credit card, you can see the section containing to add up a person holding a card. If you know a person who holds a card with a perfect credit score also who is someone you can trust upon, then you can get a very rapid credit score. Your score will reach good heights in a less span of time.
- Play round robin: This is the best strategy used to accomplish secured saving account. What you got to do here is as follows: Buy a safe credit card and avail an advance of 70% as credit limit. Get two more credit cards and repeat the same. Now open up new check account which must have the final cash as advance. You must use this account only to pay the bills on the 3 brand new credit cards. If the payment is done regularly on time, then the credit score will boom high.
- Pay bills without delay: It is very essential to pay all the bills on time. You have to be very consistent in paying all your bills on time, only then you can score a good credit quickly.
The above things need to be followed properly so that you don’t lose the score. Apart from it, you shouldn’t close your account. The more number of years, your account is opened with no negative reports, it will be perfect.