Delray Beach, FL (PRWEB) March 26, 2010
NationalCreditReport.com, a leader in credit monitoring services, advises consumers that the first step in raising their credit score and repairing bad credit is a simple one - check your credit report.
"There are a few critical things people should do when trying to raise their credit scores," said Samuel S. Ambrose, Vice President of Marketing and Operations of NationalCreditReport.com. "A few key steps, beginning with checking your personal credit report, can start this sometimes long process off on the right foot."
1. Check your credit report: This is as easy as participating in an offer to request a free personal credit report, like the offer available at NationalCreditReport.com, and reviewing it carefully for any inaccuracies.
2. Dispute any incorrect information: You're within your rights to call these misrepresentations to the attention of Experian™, Equifax™ and TransUnion™, the three major credit reporting agencies. "Working with them is a must for raising your credit score," said Ambrose.
3. Know your score: Some free personal credit report offers do not actually provide you with your score. It's important to know this number so you can have a goal to work toward.
4. Think strategically before closing credit card accounts: If you choose to close accounts, think before you remove your longest-standing accounts. A longer credit history helps your credit score.
5. Improve your payment trends: If your personal credit report shows multiple late payments, it can cause your credit score to plummet. Start paying on time NOW and that effort over time will raise your credit score. If you have any past due bills, get them paid right away.
At the company's website, http://www.nationalcreditreport.com, consumers can sign-up for a free credit report and free score, which includes a free, seven-day trial of its Triple Safeguard Credit Monitoring™ service. The company also offers consumers the opportunity to purchase their credit report and score for one low price with "no strings attached." Interested customers can visit http://www.nationalcreditreport.com/nostringsoffer to buy their credit report and score without being enrolled in a credit monitoring service.
Since 2004, NationalCreditReport.com has specialized in providing credit information and credit monitoring services, to consumers to help them improve their personal credit report and prevent identity theft. NationalCreditReport.com encourages consumers to check their credit report on a regular basis.