You want to borrow money to solve your financial problems urgently. But the lender asks for your credit score while you do not know what your current credit score is. Do not worry too much because there are so many ways to know your credit score. Today learn about how to check your credit report.

Check your credit report
Check your credit report

There are a lot of personal loans for people who have bad credit such as bad credit loans, low-interest personal loans, online loans for bad creditthat the readers can get more information in the previous articles of the Info Credit Free. However, the lenders still require about the credit report. Therefore, the readers need to check your credit report.


Just like a lot of posts before about the credit report/credit score such as guide check my credit score, credit scores, good credit score… the post today includes the main three parts which are: “What is the credit report?”, “Where can you check your credit report?” and “How to improve the credit score if have bad credit?”.

1. What is the credit report?

The credit report is a detailed report on an individual’s credit history that is prepared by a credit bureau. In the United States, there are three major reporting offices: Equifax, Experian and TransUnion. Each of these reporting companies collects information about the consumer’s personal details and billing habits to generate a unique credit report; Although most of the information is similar, there are often small differences between the three reports.

Check your credit report
Check your credit report

2. Where can you check your credit report?

  • Equifax
  • Experian
  • TransUnion

3. How to improve the credit if have a bad score?

3.1. People need watch the credit card balances.

People should merge the balance lows, with the personal loans if everyone has multiple credit card balances. That can help people have a score better. The senior policy advisor for Consumer Alliance – Pamela Banks said that: To improve credit scores, you need to pay your balance and keep your balance low.

3.2. People need to eliminate credit card balances.

The annoyance is the small balance that people have a lot of credit cards. One of the scoring items is just the number of cards with the balance.

That is why people usually charge 50 dollars for a card and 30 dollars for another card instead of using the same card can hurt the credit score. In order to improve credit score is to collect all credit cards with small balances and pay them. Then choose one or two cards that can be used for everything.

3.3. People should leave the old debt on your report.

Good debt – the debt people have handled well and paid under the agreement – is good for credit. If people have a long history of good debt is better for the score.

There is one way to improve credit score: Leave old and good debt as long as possible. This is also a good reason not to close old accounts where people have solid return records. People never want things to come out of their history.”

3.4. You should use the calendar.

FICO point, the regular point used by a user for the loan, ignoring any request that is made in the last 30 days before writing. The shopping time dependencies are used on the credit point. If who are for using the latest point, you have 45 days, Ulzheimer says. With old type, you must keep it in the 14 days.

The old software type is greater than will not be many questions of the administrator for a user, as any of your users have been such as such, how said.

3.5. You should pay the bills on time.

It could even extend to items not commonly associated with your credit reports, such as library books. That is because even if the “original” creditor, such as the library, does not report to the office, they may eventually call a collection agent for an unpaid bill.

3.6. You should not hint at risk.

Two of the biggies are suddenly paying less (or more) than usual and missing the payment. Other changes can scare the card issuer (but not necessarily hurt the credit score): getting cash or even using the card at businesses can tell you. Current or future money, such as a pawn shop or divorce lawyer.

You can improve your credit score from a bad credit score to get a good credit report by studying the steps we’ve outlined above. In that process of improving credit scores, it is important to check the current score. If the readers are not sure how to check them, please refer to the previous article of us on checking the credit score through the link Check credit rating.

Improving credit score is not an easy thing. If you live in the US and do not have good credit scores but want to get money immediately, fast loans to solve the work can refer to the loan as Easy loans for people have bad credit, Secured loan bad credit, Bad credit personal loan lenders…

Hillary (Team Content) – Info Credit Free