Many people don't realize the importance of a good credit score until it's too late! Almost everything you buy that has a monthly payment plan (cars, houses, cell phones, etc.) is based upon your credit score.
If your credit score is too low, you don't qualify or you do qualify but your payments will be much higher than a person with good credit.
It is very important to check your credit report often and dispute any inaccuracies that you find to keep your score as high as possible.
Click on the following image to get your free credit report online:
Some credit bureaus will have a higher credit score and others will be lower. The average of the 3 is usually considered your credit score by most companies who run it, but sometimes companies will pick one bureau to go with. If you get lucky, they will pick the bureau's report that has your highest score!
Usually if you have a lower score than another credit bureau, you might have some dings on that file. This may include late payments, high credit card balances, too many lines of credit, etc.
When you pin point the cause of your low credit score, you can then take the necessary steps to fix it. It doesn't take long for your credit score to improve after you have corrected some negative marks on your file.
This can mean a difference of thousands of dollars per year in savings on high ticket items like cars, boats and homes!
If you would like to get your free credit report online, just visit the links below. You will be able to view your credit report on all 3 major credit bureaus and fix your negative marks!
