Delray Beach, FL (PRWEB) June 18, 2010
NationalCreditReport.com, a leader in credit report, credit score and credit monitoring services, reminds consumers that even if they've worked hard to get a good credit score by repairing credit report damage, preserving it does take a little know-how.
"Some people work for years to repair credit report damage which can be a long and slow process," said Samuel S. Ambrose, Vice President of Marketing and Operations of NationalCreditReport.com. "It's a shame to let all that effort go to waste by making a few mistakes that can cause your credit score to drop again."
Steps consumers should follow to get a good credit score and maintain it:
1. Know what a credit score is and how it's calculated: This unique number is assigned to you based on information collected by the three major credit reporting agencies (Experian™, Equifax™, and TransUnion™). Your credit score can fluctuate based on the information in your report. Creditors and lenders obtain your credit report and use your credit score to establish whether to award you a loan or credit. Because this score helps shed light on your financial stability, getting a good credit score is vital.
2. Obtain your credit report from a source that also includes your credit score: You can simply participate in an offer to request a free personal credit report, like the offer available at NationalCreditReport.com. Note that free reports from the government do not include your credit score.
3. Apply for only what you need, even if you were approved for a larger amount: Applying for too much credit can cause credit report damage. Having many inquiries by creditors can cause your credit score to drop slightly.
4. Be conscious of any changes in your personal credit report by reviewing your credit report frequently. Obtain your credit report at least quarterly to see if there have been any unexpected inquiries or lines of credit taken out in your name. Obtaining your own credit report does not negatively affect your credit score.
At the company's website, http://www.nationalcreditreport.com, consumers can sign-up for a free credit score which includes one credit report and 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 understand their credit report and score. NationalCreditReport.com encourages consumers to check their credit report on a regular basis.