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When spring time rolls around, we often think to clean and organize our homes for a fresh start. We would recommend that adding your credit to that yearly spring clean would go a long way to improve your credit. If you aren’t sure where to start, here are a few tips that will help to rebuild your credit.
The best place to start when rebuilding credit is to get a copy of your credit report. We recommend that you obtain your personal credit report from both Equifax and TransUnion as both agencies do not report the same information. Checking both reports will ensure that your personal credit is correct and up-to-date. Also, getting a copy of your personal report will not affect your score or hurt your credit in any way.
Once you have gotten both copies of your report, do a thorough review of each to ensure your credit activity, balances and information is all exact. Information such as your home address, employment and current credit is listed, among other information. By reviewing every detail on your credit you are helping prevent credit misuse and even credit fraud.
Checking your credit may seem like a tedious and complicated task but it is to your advantage to review and clean your report. Looking for more rebuilding tips? Contact us and we would be happy to help!