Unfortunately, there isn’t much we can do anymore without a decent credit score which is why it is important to know what’s affecting it. If you are concerned that you won’t qualify for a job you are applying for or an apartment you would like to rent, then the best course of action would be to get a copy of your free instant credit report online. It only takes a few moments to access your credit report by filling out a short form.
Most credit repair or monitoring websites have access to all three of the major credit reporting agencies which include reports from TransUnion, Experian and Equifax. Once you have your free instant credit report you can analyze what is causing your score to be low in order to take steps to repair your credit. If you are at a loss on how to proceed, professional consultants are available to guide you.