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As a starting point, you need to know where you stand now and that information comes from your credit report. You can get it for free from www.annualcreditreport.com or by calling 877-322-8228.
Once you receive your credit report, you should correct any mistakes. Generally, credit bureaus have 45 days to correct mistakes you report to them.
The three largest reporting agencies are:
If your credit rating isn’t good, there are ways to improve your score including the following:
- Start paying your bills on time. Make sure your payment arrives before the due date, even if there’s a grace period.
- Pay your credit card bills in full.
- If you can’t pay your credit card bill in full, at least pay more than the minimum amount.
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