Check Your Credit Report

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As you are already aware, both lenders and credit card companies check credit scores to decide about your ability to borrow money and conditions in which they will loan. C

 Equifax (, Experian (, and TransUnion ( are the three companies you can check your credit report annually with.

Contact the credit bureau about any inaccuracies. Usually it is a good idea to close any accounts not in use. Speak with them about late payments older than seven years be removed. Look over accounts and account numbers. You should verify address and Social Security number.

And if you wish to improve your score - pay your bills on time, reduce outstanding debt, get with a mortgage lender to review your qualifications, build up your savings. and not fall for illegal schemes that create more debt.

Call L & M Real Estate Group for more ideas on building credit...