How To Inquire About Your Credit Score - By: Jorge Pena

How To Inquire About Your Credit Score

The importance of knowing your credit score cannot be stressed enough. It is equally important when considering taking a loan, merely wanting to know your credit standing, or doing a credit repair. Here are some proper ways on how to get your own copy of your credit report:

Know the difference between soft and hard inquiries
When you pull your credit report to look at it, it is counted as a “soft inquiry.” Only “hard inquiries” from lenders will affect your credit score dramatically. Although checking your credit score too often is an expensive habit, you should not avoid checking your credit report because you fear it will make your credit rating worse.

Contact creditors as well as credit bureaus when correcting inaccuracies in your credit report
When debtors find mistakes on their credit report, they often only contact the credit bureaus. While this is the most effective way to resolve the issue, you should, in some cases, contact the creditors whose account has caused a ding on your credit report.

However, if you notice that the same credit card company has you listed as having late payments three months when you paid on time, it’s time to immediately contact the credit company and ask how to resolve the problem.

The information reported about you to credit bureaus should be accurate - if it is not, then the credit company should work to make sure that they correct the problem so that it does not happen again.

If you find that a company consistently reports inaccurate information about you to credit bureaus, consider making a formal complaint to the company about it or switch companies.

Beware of where you get your credit report - and what it contains
You can get your credit report from any number of resources. One place is from credit bureaus themselves. You can qualify for one free credit report a year or qualify for a free credit report if you have recently been turned down for credit. If you can, get a copy of your free credit report from each of the three major credit bureaus.

There are a number of online companies that offer free online credit reports. These offers are very attractive because you get an online report without having to wait for a report to be sent to you and you often can get several reports from the different credit bureaus at once.

Acquiring a credit report shouldn’t be hard but it you shouldn’t be lax about the procedures either. Keep these tips in mind when attempting a credit repair or you want to know your credit standing.

About the Author

To get the rest of the details about this strategy and receive my FREE special report- The Great Credit Score Scam REVEALED—visit Fix My Credit.

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