Moving that Credit Score

Entry for July 22, 2007
I learned very quickly to improve credit in order to get a house. So I worked very hard to move from an Experian 430 to 660 within months.
You can improve your credit. It is a matter of knowing what to do. First order a free credit report. You can go online to http://www.freeannualcreditreport.com and get copies of three credit bureau reports namely Transunion, Equifax, and Experian.
Study your reports to find out if there are any errors on the credit reports. If there are errors, you have the right to challenge the credit bureaus to verify any errors. They have 30 days to investigate or they must delete certain items of question. Equifax will let you call them and you can report errors on any inquiries that you never made. Usually equifax can delete them in a matter of days. My score went up after trying this.
Establish Credit in your name. Start with opening a furniture store account. Some of these stores are in-house and can grant easy credit. You can also get a credit card by putting a deposit down and making that your credit line.
It is important to make payments on time for any account you open. No lates will open the doors to being able to rent an apartment, get a mortgage, or buy a car.
Any positive tradeline that is on your credit report will help your credit history overall and your scores move up over time.
The Author:
David is the Group leader for Choice Peer Lending on Prosper.com, Lender, and Borrower since 2006.
You can join his group and get a loan through http://www.choicepeerlending.com