Pay Bills Online - Give Your Credit A Check-up

	Pay Bills Online
	Give Your Credit A Check-up

Give your Credit a Check-up
Keeping your credit healthy is easy with regular check-ups. Follow these simple tips from FreeCreditProfile to improve your credit profile today:

1. Get the facts
Order your Credit Report, Credit Score and Debt Analysis online to get a complete picture of your current credit profile. Look closely at the data from each credit bureau to see that it all matches up. Keep an eye out for:

Wrong mailing addresses
Incorrect Social Security info
Old employers
Signs of identity fraud
Errors in your credit accounts
Late payments
Unauthorized hard inquiries

2. Right the wrongs
Contact your creditors or send letters of dispute to the credit bureaus to have errors on your Credit Report corrected. By law, the credit bureaus have 30 days to investigate your claim and make the correction.

3. Improve your behavior
Identify problem areas on your credit report and make a plan for improvement. If youˇve had a hard time paying your bills on time, sign up for an automated payment service. If your debt levels are above 50% of your available limit, create a payment plan to reduce your balances. Set goals for improving your credit and be sure to celebrate when you reach a milestone.

4. Follow up
Check your Credit Report, Credit Score and Debt Analysis 30-60 days after disputing errors and changing your behavior to see how much you have improved. If any inaccuracies remain, continue to negotiate to have them taken off your credit report. If you want to tell your side of the story, ask to have a consumer statement added to your credit file.

5. Monitor your credit
To guard against fraud and keep your credit healthy, sign up for a Credit Monitoring service that will quickly alert you to any changes in your report.

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