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HomeBlog BlogA fast, Easy Way To Better Credit
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A fast, Easy Way To Better Credit

March 29, 2013 by National Debt Relief

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Your credit is like your body

You need your doctor to review your body in the form of a check up at least once a year so your health doesn’t slowly deteriorate. The same is true of your credit. You need to give it a check up but much more often than once a year. In fact you should give it a quarterly checkup. This could be January, April, July and October or at any other three-month interval you choose. At first, you may find it hard to stay with the schedule but you’ll find it only takes a few minutes to give your credit a checkup and it will eventually become such an ingrained habit you’ll hardly notice it.

Start here

The way that you give your credit a checkup is by getting your credit report. You can get your reports from all three of the credit bureaus simultaneously at the site www.annualcreditreport.com.

Go over your reports with a fine tooth comb

You need to review your reports very carefully looking for information that it’s incorrect or that doesn’t even belong to you. If you find errors, you need to dispute them and have them deleted from your report(s). To dispute an item you will need to write a letter to the credit bureau, along with supporting documents, to show that the item wasn’t yours. The bureau will then contact the company that reported the item and ask for verification. If the company cannot verify the information or just doesn’t respond within 30 days, it will be removed from your report.

If you have overdue payments

In the event you find overdue payments, you will need to make a plan to pay them as quickly as possible. It is believed that 35% of your credit score is based on how you handle credit. Overdue payments suggest you have not been handling it well and this can lower your credit score.

Find areas where you could make improvements

See if you can identify several areas where you could make improvements and set goals to achieve them during the coming quarter. For example, if you find you’ve regularly been a week or so late on a credit card payment, work to make that payment on time or even early. If you can find a couple of areas like this, write them down on a card or sticky note. Then put the card or note someplace where you would see it regularly to remind you of your goals.

Get one report each quarter

While you could get all three of your credit reports simultaneously, a popular option is to get your report from one of the three credit bureaus every three months as a way to monitor your credit year round. For example, you could order your credit report from Experian now then get your report from TransUnion in three months . Three months after that, you could request your report from Equifax and so on. Since the three credit bureaus are required by law to provide you with your credit report once a year, you have nothing to lose by doing this.

Start storing your credit reports in a binder

You’ll want to begin storing your credit reports so you will have a history of your credit and your debts. Believe me, reading credit reports isn’t much fun but it’s the best way to learn where you need to do better so that you can improve your credit score.

Do you qualify for debt consolidation?

National Debt Relief
National Debt Relief

National Debt Relief is one of the largest and best-rated debt settlement companies in the country. In addition to providing excellent, 5-star services to our clients, we also focus on educating consumers across America on how to best manage their money. Our posts cover topics around personal finance, saving tips, and much more. We’ve served thousands of clients, settled over $1 billion in consumer debt, and our services have been featured on sites like NerdWallet, Mashable, HuffPost, and Glamour.

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Easy National Debt Relief Caller: Nocona Transcribed WE 3/28/2021 Nocona: The call is recorded. Tell me a little bit about how you came across National Debt Relief and what made you decide to go through them over some of the other options out there. CRAIG: I did some research. And I liked what I saw and I liked some of the reviews that I saw. Nocona: And can you tell me a little bit about your initial contact with National Debt, how you felt about the customer service, the way they answered any questions you had? CRAIG: It's always been very good. Nocona: Tell me a little bit about what they were able to provide for you. Did they give you a timeframe or kind of layout what to expect? CRAIG: Yeah. They gave me specifics, which I really liked. Time off, proper expectations. Nocona: And about how long did it take to start seeing some debts get settled? CRAIG: Oh, gosh. I'd have to go back. I think maybe four months. Nocona: Okay. So not all that long? CRAIG: No. Three to four months. Nocona: And is there anything that you think National Debt could do to make the experience any easier or better for the customer? Anywhere you'd like to see changes made? CRAIG: No. Nocona: And any advice for people that are considering a program like this? Anything you think is helpful to know before you go in? CRAIG: I just think people have to ask all the questions, not be afraid of asking questions or voicing concerns and not moving forward until they're satisfied that it's a good program for them. Nocona: Based on the experience you've had with National Debt Relief, where would you rate them between a one and a five, a five means you definitely recommend them to others, a one means you're very dissatisfied? CRAIG: I'd do a 5. Nocona: Is it okay if we share your comments as a review on our website to help people that are considering their debt program options? CRAIG: Sure. Nocona: I have thepetersonz@outlook.com. Is that right? CRAIG: That's correct. Nocona: The call was recorded.

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Craig Peterson
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