How to Make Improvement in Your Free Credit Score Report?

Do you know only few simple steps can create impressive difference in your free credit score report? It is not only true, but tried and tested too. So, if you are not satisfied with your last credit reporting then it's time you should make some improvement to your credit score.

Here are 5 tips which can help you to overcome the negative scores present in your free credit score report –

1) Review your credit report thoroughly - The first and foremost task is reviewing your free credit score report whenever you get that in hand. Perform a thorough check and go through the whole report from top to bottom. Do not miss even a single word of your report card. If possible, crosscheck all the information with your personal database of monthly expenditure. Always remember that even a slight bad credit history can stop you from getting a loan sanctioned. So, would you like to pay for a mistake which has not been committed by you?

2) Remove disputes from report - The law entitles you to request the credit bureaus if you want to remove a dispute from your free credit score report. If they not revert back or take action within 30 days, then you yourself can make the necessary removal. So, if required then do not forget to use law for your good.

3) Cancel entries of old credit cards - Sometimes we forget to cancel old credit cards from our reports which are not even in use. These cards should be cancelled by informing the particular credit card company or banking house as otherwise it may bring in negative scores. So, in case if you have few old cards, ask the bureaus to omit the card entries from your free credit score report.

4) Cancel high interest cards - High interest rate cards are mostly offered by departmental stores which brings down your credit rating. So, if you have one such card then pay off the credit balance as soon as possible and cancel those cards.

5) Add notes with necessary details – If there is a foreclosure note then try to request the bureaus to add the same in your free credit score report. Make it sure that the note contains elaborate details about what happened actually. May be you were one of those victims of global recession. Hence, mention all the details in your free credit score report.