5 Ways To Keep Your Credit Reports Clean

5 WAYS TO KEEP YOUR CREDIT REPORTS CLEAN Make sure you read & fully understand your credit reports. 1 This is important because it will help you think twice about not being late on anything or maxing out your credit cards or even having collections, charge offs or public records appear on your reports. It also will help you detect any inaccuracies on your credit. EQUIFAX DExperiam You can get a free copy of your credit reports (Transunion, Equifax and Experian) once a year via annual www.annualcreditreport.com Call Us & We Can Pull A Credit Report For You! 1-888-655-6768 Use your credit accounts properly to help you gain more credit score points. This is very important because how you use your credit will determine your scores. For example, making your monthly payments on time Vs. being late. | CREDIT LIMIT AMERICAN EYDRESS VISA Or owing less than MasterCard >30% vs. Being maxed out or over the ON TIME credit limit on credit cards or LATE of your credit limit's other revolving accounts. These are huge factors of your credit scores! Make sure you have no account discrepancies or account errors reporting in your credit reports. 36 CREDIT LIMIT INTEREST RATE This is extremely important because discrepancy or error may create a domino effect on your other credit accounts. one The common effects of being late on an account or having public records or collections & charge off accounts appear on your credit reports may trigger a negative response from credit card companies to lower their limits and increase the interest rates which can be devastating to you. Review your credit reports on a monthly basis by having a credit monitoring service of some sort! Make sure you study and fully understand the credit reporting laws that give you your rights as a consumer. R4 A great resource is the internet. You can search the F.C.R.A., F.D.C.P.A., F.A.C.T.A., F.C.B.A. and even C.P.F.B. laws mostly governed by the federal trade commission. This is very important information for you to understand before you challenge the credit giants! Make sure you have the patience and time to do this research before you actually attempt to fix your own credit or take advice from someone that is not in the credit repair industry! 12 5 6. Many people are anxious and definitely willing to fix their own credit however they didn't know about the steps above being an important factor of fixing their credit. Fixing your own credit is not as easy as you read about online or hear about from other people. If you don't understand what will be thrown against you by the credit reporting agencies, you may most definitely just give up and think that credit repair doesn't work! The best advice is to use a professional you can trust who is licensed and bonded in their state! EZ Choice Credit Repair The trusted resourced for credit repair solutions. WE HELP WE ADVISE WE SERVE WE EDUCATE YOU RELAX WE FIX YOUR CREDIT! We get your credit back to where it belongs! www.ezchoicefinancial.com ECHO Ce 2081 Business Center Drive Suite 165 Irvine, CA 92612 (888) 655 6768 FINANCIAL CORP