Monitor your credit score and credit report history in 2017

Your credit score is important so you need to monitor it often. A bad credit score affects cost of credit and even cost of car insurance. Even if you have a good credit score you should check your credit report at least once a year from Experian, Equifax, and TransUnion at annualcreditreport.com or by calling 1-877-322-8228. For example, payment history is an important aspect of your credit score and unfortunately some lenders make mistakes and report incorrect information such as your payment history. Mistakes are more common than you might think so it is important to monitor your credit report regularly and dispute all information that is inaccurate immediately. You could monitor your credit history more often for free by requesting your credit report from each credit reporting agency directly, Experian, Equifax, TransUnion every four months. For example, get your TransUnion report in January, Equifax credit report in May, and Experian credit report in September. This way you can stay current with your credit history and know when mistakes are made before they cause your credit problems.




Review your credit score and credit report to determine where you stand and how bad, or good is your credit report history. Look over your credit report and question anything you don’t recognize as your activity. Make sure that your personal information is correct and that it has been reported correctly to everyone who checks your credit references.

Verify your payment history is correct as this is an important factor in your credit history. Missed payments are a big problem so consider setting up your accounts with auto payment of the minimum payment amount. This not only will help your credit score but save you from any late fees which are very expensive.

If you find errors or incorrect information you need to dispute the data quickly. You can dispute the credit report error with any one credit agency as once they correct the dispute with the merchant that merchant will update the other credit report agencies. Experian, Equifax, and TransUnion all have apps that make disputing data easier.

Here are screenshots and links to the apps:

Screenshot of the Equifax Credit Dispute App:


Screenshot of the TransUnion Credit Dispute App:


Screenshot of the Experian Credit Dispute App


Once the errors are corrected it may take 60 days to clear from your credit report. You can request a new credit report from the agency you were working with to follow up that the credit reporting error was corrected.

Tags: credit repair counseling, fixing your credit, repair credit, credit repair lawyers
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