Fixing Errors On Your Credit Report

1. Fix Errors on Your Credit Report Since your credit score is based on information in your credit report, an accurate file is important. You can get one free copy of your credit report every year with the help of annualcreditreport.com. You can also purchase copies of your credit report. If you have been turned down for credit, you are entitled to a free copy of your report — and the score that was used to decline your application. Armed with your credit report, you can then find out what information could be dragging down your score. If there are inaccuracies, get them fixed. I once had a credit card balance and a student loan listed twice — making it look like I owed more than I did. Fixing these two mistakes gave my credit score a little bump