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Discover How To Raise Your Credit Score Easily
By Jon Arnold
Starting around December 2004, you are entitled to get a copy of your credit report for free one time per year in almost all states. So why are so few people taking advantage of this service, which used to cost about $7.50 to get a copy of your report?
It is because not everyone knows that their credit report contains more errors that it is worth. Thats right, it contains errors, and the number of errors it contains is anybodys guess. The reason for this is the sheer volume of data that the credit bureaus need to process and keep track of. And then one lender who had a contract with say Experian changes their contract so that now they report to Equifax, and the problem becomes even greater.
I would encourage you to spend a couple of minutes to think about this. All businesses and all consumers, past and present, plus all account they currently have plus all accounts they have ever had equals literally BILLIONS of data records that they need to keep track of and maintain. That is a database nightmare. Now if only 1% of that data is in errors, that means that several MILLION erroneous records are in there, and the actual estimate for the amount of errors is greater than 27%, according to recent studies.
Something that most consumers are not aware of is they THEY have the responsibility for making sure that those errors get corrected. They do not self-correct over time. The only way will ever get fixed so that the right data is showing is if YOU dispute the data with the credit bureaus. And you need to do it separately with each credit bureau TransUnion, Equifax, and Experian because all three of them probably have different errors!
Now the thing that results by having inaccurate data in your credit history profile in that your credit score is not calculated correctly. Your credit score, sometimes also known as a FICO score, is a number that
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