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How Do I Review My Credit Report?

By Expert Author: Ronnica Rothe | Article Abstract
Word Count: 301 words | Views: 134 view(s)
If you don’t know what is on your credit report or what your credit score is, you may want to review your credit report. This is especially important if you want to make a large purchase or apply for a new credit card in the near future, but reviewing your credit report on a semi-regular basis will keep you aware of your credit history and let you know if you have become a victim of identity theft. Credit score information can also help you understand what your credit score and report means.

If you have obtained a free copy of your credit report, you may find it difficult or confusing. They most certainly aren’t the most user-friendly documents. If you have any questions about what your report is actually saying about your credit history, you will want to talk to an accredited financial counselor. The counselor will be able to review the report with you and show you simple steps that you may be able to take to improve your credit history in the next 6 months to a year. While credit repair companies can claim to increase your score dramatically and fast, the truth is that real credit repair takes time, and unless there is something fraudulent on your report, there is little you can do to change what is already there.

A credit counselor may also be able to show you your credit score or at least the likely credit score based on your information. If there is any fraudulent information, they can help you understand how you can dispute the claims and fix your credit.

Reviewing your credit report regularly is one of the best ways to know that you are financially stable and ready to make the next steps toward your financial goals.
Ronnica Rothe

About the Author/Author Bio

Ronnica Rothe is a graduate with honors from the University of Oklahoma and a current student at Southeastern Baptist Theological Seminary. She works with Vision Credit Education to help individuals get out of debt and reach their financial goals. More information: Credit Score Info, Reviewing Your Credit Report

Article Source: http://www.articlesphere.com/Article/How-Do-I-Review-My-Credit-Report-/158977

Article Submitted: 2008-08-07 | This Article has been viewed 134 times.

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