Free Ways to Raise Your Three Credit Scores

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Updated: 10/23/2008 4:00:14 PM

(ARA)The average American's credit score is 723. But did you know that you have more than one credit score and credit report? Having high credit ratings can give you better interest rates on credit cards, car loans and even your mortgage. It's important to know the top factors that affect all your scores and check your three credit reports for accuracy.

1. Pay on Time
The most important factor to a potential lender is whether or not you will pay your bills in full and on time.

2. Use a Variety of Credit
A variety of credit, such as mortgage loans and credit cards, can show that you are responsible for paying back both large and small financial promises.

3. Keep Accounts Open
It is a bad idea to open a credit card just to take advantage of a discount or a freebie then close it right away. The longer your credit history, the higher your credit rating tends to be.

To see all of the factors that affect your personal credit scores, you should check your three credit reports by going online to GoFreeCredit.com. GoFreeCredit.com instantly gives you a free detailed, access to your credit report history from three bureaus. Checking your own credit report at GoFreeCredit.com will not hurt your score.

Your report from GoFreeCredit.com will show you details like accounts with past late payments, the various types of credit you've used, current balances and recent requests for credit. You also have the opportunity to fight negative or wrong information on your file. GoFreeCredit.com can refer you to a reputable credit repair service if you need it.

GoFreeCredit.com also provides a 7-day free trial of a credit monitoring service so you can receive automatic notifications of changes to your account. It's a hassle-free way to keep an eye on your accounts if you're trying to improve your credit.

Visit www.GoFreeCredit.com to check your three credit reports for free and start improving your credit score today. Copyright © 2008, ARAnet, Inc.

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