You need to use the following methods to increase credit score: Go online to get your report The reporting bureaus (Trans Union, Equifax and Experian) allow you to order ratings and scores and credit reports online.
There's also a free site called annualcreditreport.
com that allows you get free credit reports online from all three bureaus once a year.
It's a site sponsored by all three agencies and works in accordance with the Fair and Accurate Credit Transactions Act (FACTA).
Contact creditors and reporting bureaus When correcting inaccuracies in your report it's important to contact all parties involved.
The information reported about you to credit reporting bureaus may or may not have errors.
If it has errors contact the credit agency to make sure that they fix the problem.
Contacting all agencies so that it does not happen again.
Follow up on creditors and reporting bureaus Don't expect your first contact to resolve your issues.
Check your credit report again if you notice that the same creditor and credit agency has you listed as having errors such as late payments.
Speak to the creditor and credit agency and ask how to resolve the problem.
Persistence is the key to getting errors removed.
Follow up on closed accounts Consider this scenario: you closed a store card years ago yet somehow but is it still listed as an open account.
This is very common.
Mix-ups and mistakes happen, often quite frequently when it comes to information.
You need to follow up on closed accounts with the creditor and credit agencies.