- Check your credit report at all three agencies- Equifax, Experian and Trans Union (checking your own credit is called a “soft-pull” and will not negatively affect your credit). Look for errors that may appear on your report. Each agency offers a place on their website to submit online disputes. They have 30 days to verify the information is correct or they will remove it.
- Do NOT open new credit cards that you don’t need just to increase your available credit. This approach often backfires and will lower your score.
- Keep your current account balances as low as possible. High outstanding debt will negatively affect your score since you will have a greater chance at missing a payment.
E-mail Fathom
Phone: 800-933-7511