Today the industry is flooded with companies advertising that you can receive your credit score free. These companies have an objective, which is to make as much money off of you as possible. These companies pay good money for television, and internet advertising.

They are correct when they say that you can find out what your credit report says about you. Your credit score can help you better understand how the creditors view you. It also shows a detailed history of your past, and present payment history.

Companies can see your activity when you apply for credit with other companies. Some consumers do not realize that to many inquiries can lower your credit score. If you feel that you have to many inquiries you can take necessary steps to prevent further inquiries.

Be careful when selecting companies that offer a free credit report, because some fail to mention that it does not include receiving your free credit score. What most companies don’t tell you is that your credit score, and credit report is free to you at least once a year.

These companies rely on the fact that consumers are not aware of this information so that they can charge for it. The 3 major credit reporting agencies Equifax, Experian and Transunion.  Credit scores range from 300 to 850 of course the higher your credit score is the better off you are. Having your credit report, and your credit score will allow you to take action on improving them.

The following are steps you should take to see your credit score go up:

• Pay your bills on time late payments reflect negatively on your credit
• Always make more than your minimum payment when you don’t it decreases your score
• Cut down on the amount of times you apply for credit this will lower your credit score
• Don’t leave accounts open that you don’t need or no longer utilize
• As you pay off open credit cards close them
• Avoid opening up new accounts

Check your credit a few times out of the year to ensure that every thing is correct. It is not uncommon to have accounts on your credit report that don’t belong to you. Obtain your credit information by contacting the major credit bureau’s.

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