Do you know what is on Your Credit Report?
Credit card companies and lenders rely on credit scores, which determine someone’s chances to borrow money — and how favorable the terms will be.
Check your own score yearly by ordering reports from the three major credit scoring companies: Equifax (www.equifax.com), Experian (www.experian.com), and TransUnion (www.tuc.com).
Notify the credit bureau of inaccuracies. Close accounts not in use. Request that late payments older than seven years be removed. Verify and update accounts and account numbers. Verify address and Social Security number.
Always plan to leave a bit of time for the updates to your repont to appear across all scoring companies.
How to Improve Your Score: Pay your bills on time. Reduce outstanding debt. Build up your savings. Don’t fall for illegal schemes that help you create a new credit identity.
Call/Email/Text/DM/Zoom with me today to get the guidance you need in today’s market!
Kesha Watson, REALTOR® and Leasing Agent
🙌🏽Helping you Achieve Real Estate Joy🙌🏽
🌅Find Joy in the Journey🌅
Coldwell Banker Realty - West Loop
1338 W. Madison St. | Chicago, IL 60607
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