- Make sure all the information in your report is accurate.
- Dispute inaccurate items in your report. (Note our credit report service includes toll-free customer service if you have questions about filing a dispute.)
- Pay off any collections or past due amounts.
- Pay down loan balances if you are able.
- Try to have a period of 12 to 24 months with no late payments, past dues or other derogatory items.
- Try to minimize the number of inquiries into your credit report from credit grantors, by not applying for credit unless absolutely necessary.
How to Improve your Credit
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