Most people understand how important their credit score is. Credit scores affect several areas of our lives, including buying a house or a car or even getting a job. There are multiple companies that people need to contact to make sure that all of their credit reports are accurate.
Checking your credit report regularly for any inaccuracies is a good habit to have. If you find an inaccuracy you can work to get it resolved and that will ultimately help your credit score improve. Keep accounts that are paid off open to show that you have long term credit worthiness. This will also work in your favor. Of course avoiding any type of bankruptcy or debt consolidation will also keep your credit score higher. If you do ever file bankruptcy it can remain on your credit report for up to ten years and that can drastically reduce your credit score.
Most people know they have to contact a global credit reports company when they are trying to check their credit score. There are three main companies that people need to contact when they are trying to check the accuracy of their credit reports. It is not uncommon for people to find discrepancies between the three companies, which it is why it is recommended that people check their reports from all three companies on a regular basis.
If a person finds a discrepancy in their report they may initiate a dispute with a global credit reports company. This process can be done online or by mail and it may take several weeks to get the results of the dispute. Each of the companies functions independently of one another, so a person cannot initiate one dispute with all three companies. It can be a process for people to stay on top of their credit report, but is one that will be beneficial in the long run.