“Correcting credit report damage is a daunting task and could take months, even free credit history Erie years depending on the type of damage,” said Samuel S.
Ambrose, Vice President of Marketing and Operations for NationalCreditReport.com. “Being proactive and monitoring their credit reports free credit history Erie and scores regularly can free credit history Erie help save a consumer the headache free credit history Erie of having to fix their credit score with the 3 major credit bureaus after the damage is done.” Tips for Consumers to Proactively Protect Their Credit: 1.free credit history Erie Consumers should obtain their credit report that includes a credit score at least quarterly and examine it thoroughly to get a complete understanding their credit history. get your free credit report
Obtaining one’s own credit report free credit history Erie does not affect the credit score. 2. Immediately dispute any inaccurate information on a credit report by informing whichever of the 3 major credit bureaus free credit history Erie reported the information free credit history Erie of the inaccuracy. Correcting any data that is found to be inaccurate can help a consumer fix their credit score. As per the Fair Credit Reporting Act (FCRA), inaccurate, incomplete or unverifiable information must be removed or corrected by the 3 major credit bureaus usually within 30 days. credit report free credit score Even the credit score of a person free credit history Erie that makes minimum payments on time each month can free credit history Erie be affected by overusing their credit cards. Maxing out a credit card affects one’s credit utilization ratio: how much credit the consumer has available vs. Too high of a ratio can cause one’s credit score to decrease. Simple things like shredding non-essential documents, making sure that computers and any other devices that are connected to the web are protected by programs to defend against outside threats and having mail sent to a P.O.
box can prevent possible identity theft before it happens. 5. Participate in a credit monitoring service that watches one’s credit file for new activity, account changes, credit fraud and identity theft. business credit reporting
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