As soon as you have asked for a free credit report, the next step is you have to go through with it and look for ways on how to improve your score. It is unavoidable that you can find errors and some inconsistencies. You have to be familiar with your own credit report and be sure to remove those mistakes declared under your name. Anything found in the report is very essential since that will be part of the impression that you will make to the lenders.
There are procedures about the data recording in your credit report. If you have bad records before that were already more than seven years under your name, those can actually be eliminated. Items like lawsuits, judgments, paid tax liens, collections for accounts dispatched, criminal records, past due payments and your financial support your child. This is beneficial for individuals who have poor credit record in the past. Getting rid of these things can give a major effect on your rating especially if you have a serious case.
Though this might sound a bit funny suggestion but looking at your Social Security number, personal info and other important details is very important. There might be cases wherein they are putting the wrong data and thus you will encounter problems later on. This is very common incident in the documentation. The worst thing you can get out of their negligence is they can put wrong transaction under your name and sometimes it can cause bad impression on you. Individuals who are responsible for putting these things are so careless and thus you should be careful and examine your report thoroughly.
A good tip for you to dispute these errors is to file a request for reinvestigation or you can send a letter asking them to make the necessary corrections because it can damage your credit score. Remember that you have to be precise in providing them your corrections so they can easily verify it. The office will then perform the necessary investigation and will contact you within a month to tell you about the development of the investigation. The process can be faster if they will know you are about to apply for a mortgage.
Once your credit score report is already edited, you can begin to improve it. This can be done by getting a new mortgage, new credit card or simply be responsible in paying your dues. By careful examination, you can surely save more time and effort to make your credit score a lot better.