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Credit Building Information

1. Get copies of your credit report —then make sure the information is correct.
Go to www.annualcreditreport.com. This is the only
authorized online source for a free credit report.
Under federal law, you can get a free report from each
of the three national credit reporting companies every n12 months.
You can also call 877-322-8228 or complete the Annual
Credit Report Request Form at www.ftc.gov/bcp/
edu/resources/forms/requestformfinal.pdf and mail
it to Annual Credit Report Request Service, P.O. Box
105281, Atlanta, GA 30348-5281.
2. Pay your bills on time.
One of the most important things you can do to
improve your credit score is pay your bills by the due
date. You can set up automatic payments from your
bank account to help you pay on time, but be sure you
have enough money in your account to avoid overdraft
3. Understand how your credit score is determined. 
Your credit score is usually based on the answers to
these questions:
Do you pay your bills on time? The answer to
this question is very important. If you have paid
bills late, have had an account referred to a collection
agency, or have ever declared bankruptcy, this
history will show up in your credit report.
What is your outstanding debt? Many scoring
models compare the amount of debt you have and
your credit limits. If the amount you owe is close
to your credit limit, it is likely to have a negative
effect on your score.
How long is your credit history? A short credit
history may have a negative effect on your score,
but a short history can be offset by other factors,
such as timely payments and low balances.
Have you applied for new credit recently? If you
have applied for too many new accounts recently,
that may negatively affect your score. However, if
you request a copy of your own credit report, or
creditors are monitoring your account or looking at credit reports to

make pre-screened credit offers,
these inquiries about your credit history are not
counted as applications for credit.
How many and what types of credit accounts do
you have? Many credit-scoring models consider
the number and type of credit accounts you have.
A mix of installment loans and credit cards may
improve your score. However, too many finance
company accounts or credit cards might hurt your
To learn more about credit scoring, see the Federal
Trade Commission’s website, Facts for Consumers
at www.ftc.gov/bcp/edu/pubs/consumer/credit/
4. Learn the legal steps you must take to improve your credit report.
The Federal Trade Commission’s “Building a Better Credit Report” (www.ftc.gov/bcp/edu/pubs/
consumer/credit/cre03.shtm) has information on correcting errors in your report, tips on dealing with debt
and avoiding scams—and more.
5. Beware of credit-repair scams.

Sometimes doing it yourself is the best way to repair your credit. The Federal Trade Commission’s “Credit
Repair: How to Help Yourself” (www.ftc.gov/bcp/edu/pubs/consumer/credit/cre13.shtm)explainshow you can

improve your creditworthiness and lists legitimate resources for low-cost or nocost help.

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