Here is a good site to go to in order to understand what needs to be done to increase your credit scores. http://www.myfico.com/CreditEducation/?fire=1
Scroll to the bottom the bottom of the web page and go to the area that says "More Information About...” This is all free information that will help you to better understand your credit and how to improve it. If you are going to be looking for a loan sometime soon I would suggest that you purchase a copy of your credit reports from this site and review it. When you purchase a copy of your credit report from MYFICO it will have your credit scores on it and because you pulled it, you will not need to worry about your credit scores going down. You want to avoid letting lots of people pull you credit report. Every time someone other than yourself pulls your credit your credit score may go down.
If you would just like to look at your credit report and do not need your credit scores the following is a good option.
As a consumer you are able to get 1 Free copy of your credit report per calendar year from each 1 of the 3 credit reporting agencies. To get a free copy of your credit report click on the link below. If it ask for $$$ you are in the wrong spot.
https://www.annualcreditreport.com/cra/index.jsp
Once you have received copies of all 3 of your credit reports go through them with a highlighter pen and mark everything that is reporting incorrectly. Follow the instructions at the end of the credit report if you find things that are incorrect.
Please stay in touch and let me know how things are going and if I can be of help.
Ron Hopkins
5501 NE 109th Court, Suite L
Vancouver, WA 98662
Phone: 360-567-2596
Fax: 360-838-6578
Email: ronh@lsfloans.com
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