How can I improve my credit score?
Remove inaccurate information from your credit report
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You can start by removing errors from your credit report. While scanning your credit report, look for any hard inquiries that you did not authorize. Hard inquiries could lower your score as much as five points per inquiry. Get the creditor to prove that you gave them permission to pull your credit report, and if they can't prove it, then the inquiry must.be deleted according to the law. You should also inspect your report for the following:
• Accounts that are not yours.
• Trade lines that are incorrect.
• Outdated debts.
• If you are an authorized user and the credit holder is behind on his or her payments.
• Credit accounts that were paid but still shown as outstanding.
• Credit limits that are not being reported. s. Any errors that require dispute.
• Unauthorized inquiries.
Know who is looking at your credit report
When you give your Social Security number out on applications, you are giving the creditor permission to look at your credit report, but you have to watch it to see if unauthorized users are looking at it too. If a creditor pulls your report without your authorization it can lower your credit score. So, you want to immediately dispute the unauthorized inquiry with the bureau