If you are trying to find out your credit score, chances are it’s because you have some valid concern your credit score may be low or damaged by some past action. Anything from a missed credit card payment, to a bank overdraft fee, or even worse, long-overdue unpaid charges on a credit card, can slam your once pristine credit score right to the ground. Plummeting from the heights of 650-700+ to the dumps of 400 and lower can hurt bad. Getting a home loan is near impossible. Getting a lender for a car loan or lease is almost as difficult, or locks you into bad terms with a significant interest rate. Credit card companies start refusing you left and right, and even renting an apartment with a credit score like that can mean a huge deposit you could otherwise avoid! It might seem like you will never get back to where you once were, and that there is no forgive and forget in the credit score world. But there is hope.
Get Info With A Free Credit Score And Then Get Help Fixing It!
First you need to know where you stand. You can get a free yearly credit score from places like Annual Credit Report (not affiliated with our site or business at all, just a helpful resource!): www.annualcreditscore.com that will give you your Equifax, Experian, and TransUnion scores. This is a snapshot in time you can get for free once a year. It’s helpful to show you where you credit score stands as of today. It gives you an idea of how much work you have ahead of you, and will also help you to see what kind of negative marks you have against your credit score.
Next, you need to know what you can do to fix it. You can always “ask Dr. Google” and access thousands of free resources on the web from both the U.S. Government and private companies. You can also try out our Free Credit Guide by downloading it from the site and having a handy do-it-yourself credit repair manual on hand to wade through all of the different tips and tricks out there. However, credit repair is not so much about needing a broad base of financial knowledge, but following the basic principles of being financially responsible, faithful and accurate in your obligated payments to debtors, and following a family/life budget that helps keep you living within your means. Hiring a company to also help you expedite deletions and corrections on your credit history can speed up your credit score repair substantially as well.
Build Credit Plus Can Help With Your Credit Repair
If you choose to do-it-yourself and want to get a daily, 24/7 credit score monitoring service that helps you track the progress of your credit re-building efforts, we offer that too for really cheap, only $14.99 a month, and you can find out more about it on our site credit repair services page. If you need more hands-on help we have professional in-house services that charge a small amount for credit history deletions and corrections. We also have special packages aimed at people trying to build new credit who had no credit before, and also for those needing to fix bad credit from mistakes made in the past. If you are trying to improve your credit score to get home financing with bad credit that’s something we can help with too.