Everyone's credit history is unique so it depends on the individual. Start by getting your credit report and your credit score. You can get a copy of your credit report at www.annualcreditreport.com or get your Free Experian credit report. You can purchase a credit score for a nominal fee when you get your free annual credit report.
In addition to the number you'll also receive a list of risk factors. The risk factors describe what specifically from your credit report most affected the scores. Focus on the issues described by those factors and you will improve your credit score over time.
While numbers can vary from one score to another, the risk factors tend to be very consistent from one scoring system to another. Address those factors and all of your credit scores will get better.
Experian has a service called Credit Educator that provides your individual credit report, credit score, risk factors and time on the telephone with a trained representative who will walk you through your report. The service can help you learn how to manage your credit effectively.
Check out the scope to hear answers to all the questions asked:
Do you have questions about credit?
Join our live video chat every Tuesday and Thursday at 2:30 p.m. ET on Periscope. Rod Griffin, Director of Public Education at Experian, is available to answer your questions live.
Scoped on: 10/13/2016
Want to instantly increase your credit score? Experian Boost™ helps by giving you credit for the utility and mobile phone bills you're already paying. Until now, those payments did not positively impact your score.
This service is completely free and can boost your credit scores fast by using your own positive payment history. It can also help those with poor or limited credit situations. Other services such as credit repair may cost you up to thousands and only help remove inaccuracies from your credit report.