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Tip 1 – Dispute Bankruptcy

For example, if you have declared bankruptcy, you can expect it to have a vast impact on your credit score for the first two years, during which time you will have a hard time getting any credit at all.

Tip 2 – Small Things Become Big

Little things make a big difference. Misquoting your social insurance number or using a slightly different name (Jane Doe Smith instead of Jane Smith) can make a big difference, since credit bureaus can count the two names as different people. Making sure this you fill out each money form accurately and in the same way must go a long way in ensuring that there are no mistakes in identity that should affect your credit score improving.

Tip 3 – Mortgages and Secured Credit

When you take out secured credit (such as a mortgage) you enjoy decrease interest rates and easier approval. As you repay your secured debt, your credit number will improve. Even better, creditors do look at the types of credit you have. Whether you have a mix of secured and unsecured credit, you will enjoy better risk rating scores as it will indicate this you have the means to repay your  expenses.

Tip 4 – Credit Dispute Letters

Note this you are aware the agency is required to enquire the claim within thirty days and note this you will follow up. Be sure this you do follow up with the issues you raised in your letter – just because the agency investigates does not always intend this your credit score report will end up error-free.