Verify the Accuracy of Your Credit History
Check your credit report often to ensure the accuracy of the information reported about your credit.
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How to Improve a Bad Credit History
- A bad credit history leads to bad credit scores
- Improve your credit scores to get better interest rates
- Mistakes on a credit report can be fixed
Why Your Credit History Is Critical
Your history tells creditors about behaviors that can add up to a “good” or “bad” credit rating. Here are some questions lenders might ask that may help them understand your credit history:
- Do you pay your bills on time?
- How long have you used credit?
- Have you opened several credit cards in a brief time frame?
- How much debt do you have compared with your available credit limit?
Credit scores are tools used by lenders to evaluate the answers to those questions. They help determine the risk that you will not be able to repay a debt as agreed.
Check Your Credit Report
You can improve your credit report if you know what it contains. Although you can’t rewrite history, the passing of time will remove negative credit information from your report. Weak credit scores don’t necessarily mean you won’t obtain credit. You can get rid of bad credit habits, restore your positive credit history, improve your credit scores and use credit to your advantage.
Improve Your Credit
You can legitimately fix a bad credit history, but you need to know the factors that gave you a low score in the first place.
Understand Your Credit Report
Find out what makes up your credit report and how to read it.
Make Sure You Are Not a Victim of Credit Fraud
Learn how to prevent credit fraud and what actions to take to restore your good credit if you become a victim.