How do i improve my credit score?

View your credit file based on any of the UK credit reference agencies, or all three at once
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If there are errors on your report here are some additional tips:

1. You must request a copy of your report directly from the credit agency.

-You can do this by getting your Free Credit Report from the Federal Trade Commission at www.ftc.gov

- If you have applied for credit in the last 30 days you are entitled to a free copy of the report.

- You can pay for a copy of your report directly on the credit bureau sites.

2. You must complete a dispute. You can try to dispute the information online with EACH of the 3 agencies. If you need to send them documentation then you will need to write a letter explaining the information to be corrected/removed along with a copy of your documents.

3. The credit agency will process your request and send you a revised copy of your report reflecting the changes with in 45 days of the dispute. (The creditor has 30 days to verify the information is correct as reported or the info is removed. Then a couple of extra days for mailing stuff)

Here is the contact info for the 3 agencies:

Equifax Information Services, LLC

P.O. Box 740241

Atlanta, GA 30374-0241

800-685-1111

www.equifax.com

Experian

701 Experian Parkway

P.O. Box 2002

Allen, TX 75013

888-397-3742

www.experian.com

TransUnion

P.O. Box 4000

Chester, PA 19022

866-887-2673

www.transunion.com

For more information on credit visit Fair Isaac's(They created the credit score) site www.myFICO.com

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How do i improve my credit score?

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