Free Credit report | experian credit report | what is your score?
59Experian is one of 3 credit reporting agencies Experian, Transunion and equifax.
we are all entitled to a free report
of our credit from each of the credit reporting agencies. We are entitles to one report
per year.
Each of these credit reporting agencies independently rate our credit score and then the average score amongst all 3 of these companies is what our actual credit score is.
These credit report agencies work close by and the majority of the time your score will be the same. The best thing to do is to get 1 credit report from say experian who is the biggest of all 3. If you see something which should not be in place then it will be a good idea to get a report from all 3 of these companies. Saying this if you was to update the credit report from experian then its very likely that the other 2 agencies will follow experian and also update. It is however a good idea to get all 3 and compare them all.
You can get your free credit report from experian at this site Free credit report
Get a free credit report and improve your score
5 ways to improve your credit score the easy way
Pay your bills on time.
“Common Sense”, you must be saying? Well, not for many people. If you happen to be one of those people who often forget to pay your bills or if you just don’t think it is a big deal if you’re a little late, you’re probably in for a headache or two. Late payments can largely affect your credit score (for the worse, obviously)
Make Use of free reports
There are three major bureaus that combine to create your credit scores: Equifax, Experian and TransUnion. They give free credit reports in offers like the one you will find in the link above. Use them
It is a smart idea to request a copy of your credit report once every 6 months. This can also help you to identify if anyone else has stolen your identity or if you have any missed payment you are unaware of.
If you see a mistake then contact the credit report agency
Credit agencies are highly reputable, but as with any organization, they are bound to make mistakes once in a while.
Keep your accounts open as long as possible.
The average life of your credit card accounts will influence your final credit score. People with financial problems tend to open and close accounts more often than not.
Remember that recent events weigh more. A late payment that happened one month ago will have a much higher influence on your credit score than one that happened five years ago.
