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| A low credit score can even increase homeowner's, car, and life insurance rates. Those errors might include misspelled names, incorrect addresses or dates of birth, or they could be accounts assigned to you by mistake. Improving Your Credit - Getting Informed is the First Step Having a good credit score is important to obtain the best interest rates on car loans, mortgages, and credit cards. Many people believe that you need to pay for this, either by paying the reporting agencies for a copy or by joining a credit monitoring service. Yet you cannot improve what you don't know about so your first step should be to get informed by getting a copy of your credit report. So improving or maintaining your credit score should be a top priority if you want to save money. The US government enacted legislation that provides for you to receive a free copy of each of your three national credit reports once per year. You may even have paid accounts that are listed as past due. Estimates are that 4 in 5 credit reports contain erroneous information. Without viewing your credit report, you will never know this. |