Delray Beach, FL (PRWEB) October 24, 2010
Even though Halloween is right around the corner, some people find themselves more frightened by their credit report than this season’s ghouls, ghosts and goblins. NationalCreditReport.com, a leader in credit report, credit score and monitoring services, advises consumers that they don’t have to be scared when they check their credit report by following a few tips that can help them get a good credit score.
“With the economy still struggling to recover, this is a frightening time for many people who have obtained their credit report and seen a drop in their credit scores,” said Samuel S. Ambrose, Vice President of Marketing and Operations of NationalCreditReport.com. “Luckily, by following a few simple steps, they can work to get a good credit score and bring their credit report back from the dead.”
Steps consumers should take to get a good credit score:
1. Obtain your credit report by simply participating in an offer to request a credit report online, like the offer available at NationalCreditReport.com. Consumers are advised to review this report carefully to get a complete understanding of their credit report score and to check it for accuracy.
2. Know what a credit score is and its impact on one’s everyday life. A credit score is the special numerical value that potential creditors and lenders use to decide whether to grant a loan or credit as well as determine interest rates. Since whether or not the consumer obtains funds hinges on this score, getting a good credit score is very important.
3. If a consumer finds any inaccurate information on their credit report, they should not be scared to bring these misrepresentations to the attention of Experian™, Equifax™ and TransUnion™, the three major credit reporting agencies to clear up the inaccuracies.
4. Begin to pay off monstrous credit card debt. Making on-time payments to begin paying down one’s credit card debt also helps their credit score by lowering the percentage of credit utilized.
5. Consumers should regularly to be aware of any changes in their credit report or score. This should be done at least quarterly to see if there have been any unexpected inquiries or lines of credit taken out in their name and that what is being noted in the report is accurate. Obtaining one’s own credit report does not negatively affect their credit score.
At the company’s website, http://www.nationalcreditreport.com, consumers can sign-up for a free credit score, 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 check 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.
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