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-- we talked about thousands of an air act hands -- can't take out a loan to buy it or buy a car because -- credit reports.
Are wrong and other say their credit report lists them as death at.
Well if you -- one of those steps is having some trouble with your credit score.
You are in luck this morning because -- -- five tips for you on how to protect your credit score.
Joining us now -- personal finance expert beer -- to break it all down there -- -- -- learning.
Okay first and foremost you need to get a copy of your credit report how -- do any good in a credit report dot com and this is the only slightly you can get it get more screen no strings attached the whole -- to three out of four people don't check their credit report.
You need to keep tabs on this and you should know as well -- your credit score which is a culmination of what's contain these reports.
Needs to be in the -- 7074750.
Off I think that's -- -- -- annual credit report dot com -- -- going to be asked gators have security number and not to say that's the only one that's the only -- okay the next one you say dispute your mistakes have read this adversity they're right next 25%.
-- a credit reports contain errors -- serious enough to result in your being denied credit.
Altogether -- get a check out your credit report.
Check out the key account information is that accurate in front of fraudulent activity on their credit limits to their credit cards correct you call to dispute then you've got to contact your creditors -- financial institutions and you've got to have the credit bureaus -- three major credit bureaus look into that you've got to report event.
And -- -- to launch investigations -- -- have that's not happened in watching.
I pay your bills on time because this is this can have the biggest negative and write your payment history Ainsley is the single most important factor affecting your credit score and if you're delinquent that has the biggest negative impact on your score so.
-- got to pay your bills on time if you can't get it together so -- here paying your bills automatically from your checking account of him a water bill sitting next you.
After a long overdue you've really got to pay those down because at the end of going to collection.
That's a blemish on your credit report that can last for up to seven years while.
All right so at least pay that minimum and if you can't even pay that call the company negotiate right exactly okay next one don't apply for new cards that you don't me.
We see had a lot.
This happening right save fifteen think he's he's spent here -- -- that.
Think he's a registered not twenty I don't know an ugly new dolls are -- yes I think every time you open -- an account an inquiry is made to your credit report so that is a little thing on your credit report little things can out of television and a -- available credit even if you don't have anything on -- at a -- well here's the thing.
You wanna use ideally 30% of your available credit or preferably even more so less than 10% of -- Democrat -- -- at all times you wanna have 90% of your credit available and ideally.
Wanna have cards you wanna keep them open you wanna keep -- active you wanna take them out to lunch every now and that's something we can do together hopefully next race.
Think what you really need to use these cards responsibly.
What we have to -- -- five I just felt I could write some other fast he has sounds bad things.
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