Thursday, April 3, 2008

Spring Cleaning on Your Credit Report

As spring comes into bloom and you clean out your home, your closets and your yard, don't forget to clean up something that can really impact your life: your credit score. Having this information is important for when you need a car loan, home loan or even a student loan, so that you have the ability to live the life you want without financial restrictions.

By viewing your credit activity on a regular basis you can manage any detrimental items that need to be removed or fixed. These actions will create a better rating under your name and benefit you throughout your life. The easiest and fastest way to do this is by going online.

Go Free Credit offers an easy way to check your credit instantly. You can try this service free for 30 days to monitor any activity and make changes in your life so that your score increases. You will get a detailed, personalized analysis of your credit report with advice on how to improve it. You will also find information on how to understand your credit report. Experts advise checking your credit report more than once a year, but checking too often can make your credit score go down.

Credit monitoring, automatic notification of credit activity and a detailed personal analysis are all included in this service. You can find out who has recently viewed your credit report and even see the best ways to improve your credit score based on your personal history. Improving your credit increases your options for financial success. Bankruptcies, judgments, collections and past 30-days late payments are the top damaging factors that can negatively affect your credit score and need to be checked now. Additionally, by being aware of the activity on your credit report you can keep a close eye on fraudulent activity and be confident of your financial future.

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