Fix Your Credit Score

Your credit report is the document used to determine how much interest you will pay for credit cards, home mortgage, or personal loans. You need to make sure that it is accurate and correct.

Q. What is a credit monitoring service?
A. Credit monitoring services will keep an eye on your credit report, keep track of certain kinds of changes, and send activity reports to you. For example, a service could alert you if someone tried to get credit in your name. Some services also provide you with additional copies of your credit report or help with resolving problems you discover on your report. It is the best tool in helping to improve your credit rating.
When you consider whether a credit monitoring service is right for you, ask:
Does this service track my credit with all three major consumer reporting companies (Equifax, Experian, and TransUnion)? These companies can have different information about you and it is important to look at all three reports.
Will the service notify me immediately about new activity on my credit files? How will I be notified? Exactly what services will I get for my money? Does the fee cover daily credit monitoring, all three credit reports, credit scores, help with resolving problems, or insurance coverage for expenses related to recovering my identity?

Q. How can I monitor my credit?
A: Check your credit report regularly to catch mistakes or fraud quickly. Watch for any entries that do not belong to you. The easiest way to do this is use a 3 in 1 service. An improving credit score does not happen by accident. You need to be diligent about what is on each report, and work with the credit bureaus to remove inaccuracies.

I used TreuCredit from the very beginning of my journey to a Great Credit Score. If you are serious about improving your credit rating, then I can think of no better place to start than TransUnion 3-Bureau Credit Monitoring .