10 Steps to a better credit score: part 1  

What’s my credit score?  What does it mean? Why do I need a credit score? How will a short sale, bankruptcy, foreclosure affect my score? How often should I pull my credit report? I can’t afford my debt, now what? Divorce, Credit card bills, late payments…the list goes on and on ….

Consumer debt is at an all time high, stress levels are rising, people often wonder if they should consider consumer credit counseling, look for credit solutions, debt settlement and maybe bankruptcy.

Its time for everyone to take charge of their credit score.  Its time for all of us to become knowledgeable about our scores and how they are affecting our lives.  Many of us think our credit is only considered when you are about ready to purchase a home or automobile, did you know that phone companies make credit inquiries, your employer may pull your credit, your insurance company, if you are trying to rent a home/apartment the list goes on and on.  The higher your score the easier your life.

 Step Number 1 out of 10 steps to a better score:

Pull / order your credit report.  How are you ever going to know where to start unless you are willing to take the plunge and face reality.   I suggest you go to :http://annualcreditreport.com  its a free credit report site that will give you the score from all three credit bureaus.  There are more sites to choose from, annualcreditreport.com is just a suggestion.

Make sure you check out the company you order your report thru.  There are many scams out there.  Let me know if you have any questions. I’d love to help you out.  Look for more steps to come on unraveling your credit score and what to do now that you have your report.