“I want to borrow money to solve my financial problems urgently. But the lender asks for my credit score while I do not know what my current credit score is. Are there any places to get my credit report in the US?” Do not worry too much because there are so many ways to know the credit score. Today learn about how to check and get the credit report.
There are many personal loans for people who have poor credit. For example: the low-interest personal loans, the bad credit loans, the online loans for bad credit… If the readers need these loans, you can get a lot of information in the previous articles of the Info Credit Free. Because the lenders still require about the credit report, the readers need to check the credit report.
GET MY CREDIT REPORT
Just like many posts before about the credit report/credit score such as good credit score guide check my credit score, credit scores… this article includes the main three parts which are: “What is the credit report?”, “Where can I get my credit report?” and “How to improve my credit score if I 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’re three major reporting offices. They are: the Equifax, the Experian and the TransUnion. Each of these reporting offices 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.
2. Where can I get my credit report?
3. How to improve the credit if have a bad score?
3.1. People need watch the credit card balances.
People should consolidate low balances, with personal loans if everyone has multiple credit card balances. That can help people score better. Senior Consumer Advocate Pamela Banks says: To improve your credit score, you need to pay your balance and keep your balance low.
3.2. People need to eliminate credit card balances.
Discomfort is a 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 for a card and $ 30 for a card other than using the same card can hurt the credit score. 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 – Debtors who have dealt well and paid under the deal – are good for credit. If people have a long history of good debt then better for the score.
There is a 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 a refund profile. People never want things to go out of their history.
3.4. You should use the calendar.
The FICO score, which is usually used by the user for the loan, ignores any requests made within 30 days prior to writing. Dependency shopping time is used on credit scores. If people are using the latest score, you have 45 days, says Ulzheimer. With the old style, you have to keep it for 14 days.
The older type of software will not have many admin questions for the user, as any of your users are.
3.5. You should pay the bills on time.
It can even expand to items not normally 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 the agency collecting the debt for an unpaid bill.
3.6. You should not hint at risk.
Two of the biggies suddenly pay less (or more) than usual and lack payment. Other changes may be threatening the issuer (but not necessarily hurting your credit score): getting cash or even using a card at a business can tell you. Current or future money, such as a pawn shop or divorce lawyer.
Everyone can improve the credit score from the bad credit scores to the good credit scores by studying the steps we’ve outlined above. In the process of improving the credit score, it is important to check the current score. If the reader is unsure how to test them, please refer to our previous article on checking credit scores through the Check credit rating. link.
Improving credit history is not an easy thing. If people live in the United States and do not have a good credit score, but want to get money right away to handle problems can get some personal loans such as Secured loan bad credit, easy loans for people with bad credit, Bad credit personal loan lenders…
Hillary (Team Content) – Info Credit Free