The easiest way to keep your credit report clean is to pay your bills on time. This will give you the best chance of having good credit, qualifying for the best rates on everything and having a nice looking credit report. While things do happen and items do get placed inaccurately on credit reports you should still monitor your credit and get a copy of your report at least once per year even if you have never been late on anything.

The best thing to do to keep an eye on your credit report is to join a credit monitoring service such as privacyguard.com they even provide a $1 trial for two months. You get all three credit reports with the scores included.

Bureau errors are very common. The important thing to remember is to check your reports regularly to keep them accurate.

Investigate your moving company before using them. If it is not a well known or national moving company do some investigating. There have been several scams in the past involving moving companies. Ask for recent references, check with local agencies, the better business bureau, consumer reports, etc. It may be worth it to look into getting some additional insurance for the move as well.

Disputing credit can be very time consuming. However, many brokers can offer you a service called a rapid rescore. This service allows borrowers to provide evidence from their creditors that accounts are inaccurately portrayed on their credit reports. The broker will then send this information to credit report service provider to have it instantly changed and your credit report rescored. The process usually takes between three to 7 days.

Also make sure that you do not let past due accounts get turned over to collection. Not only will you lose a good trade line account you will also impact your credit score negatively when the collection reports on your credit report.

Many credit reports include errors. Be sure to look over the details of your report, as most errors can be cleared up with relative ease within a 30 day period, or quicker, and can sometimes have a significant impact on your score.

Some companies that issue credit reports can provide a key to read the different numbers and sections.

Not all credit reports include scores. Your free annual credit report contains all of your information but omit’s the scores. The scores can be purchased separately for a fee directly from the credit bureaus.

A common error seen on many credit reports is a single credit line being reported as derogatory by more than one company. The original creditor may sell a collection or charged off account to collection agency who may sell it again. If you have a similar situation and would advise on how to correct inaccuracies on your credit report please call us.