How to Improve Your Credit Score

The first step to improve your credit score is to obtain a copy of your credit report so you can know how you rank now. For official free credit reports contact www.annualcreditreport.com or call toll-free 1-877-322-8228. You also can mail a completed Annual Credit Report Request Form to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. This links you directly to one of the three credit monitoring agencies for your free credit report which is available only through the Annual Credit Reports website, phone number and address above. Consumers are entitled to receive one free credit report from each of the three credit monitoring agencies every 12 months but some sites may charge a fee to give the actual score.