How to obtain a free credit report Utah

We have also listed the online dispute links as well. We are your one stop shop for all three of your credit scores and free credit reports. Bureaus Addresses and Phone numbers: Equifax P.O. Box 740256 Atlanta, GA 30374 (800) 797-7033 Experian NCAC P.O. Box 9595 Allen, TX 75013 (800) 583-4080 Trans Union P.O. Box 2000 Chester, PA 19022-2000 (800) 916-8800 On-line dispute for each bureau: Equifax Dispute online Experian Dispute online TransUnion Dispute online Debt Strategies to Improve Your Credit Scores Paying down your how to obtain a free credit report Utah debt is a great way to stay on track financially and boost your credit scores.

Where do you put your extra money each month to how to obtain a free credit report Utah make the most difference? free credit reports and credit scores Here are a few ideas that we think make the most sense financially. Priority #1: Pay down the highest interest rate accounts first. Im sure you would rather be paying down a debt than applying money to interest each month. Start with the accounts that have the highest interest rates and tackle them first. Keep revolving account balances at no more than 50% of the total credit limit.

In this economy thats easier said that done but doing so will produce a better credit score. Regardless, pay off the how to obtain a free credit report Utah highest interest rates first.

Then tackle the rest of your debt accordingly. Priority #2: Dont add any more debt. check credit rating free Probably the most important part of the plan to raise your credit scores.

Old habits die hard, emergencies pop up that swallow money that otherwise would how to obtain a free credit report Utah go towards reducing your debt. Credit cards that should be used sparingly can quickly add up. Priority #3 Negotiate better terms with your credit cards Youll never know unless you ask.

Often times credit card companies will reduce your interest rates if you ask. I recently received some convenience checks how to obtain a free credit report Utah in the mail from one of my credit cards companies offering a lifetime rate of 3.99%. I quickly called and asked if I could simply have my current balance lowered and they obliged. Priority #4 Pay extra on secured debts Secured debts are things like your home, car, boat or other assets that secure your loan. Credit cards are not secured and therefore not tied to any particular asset.

Secured debts are usually for large amounts and as a result take longer to pay for. get a free credit report online The interest charges on a $100,000 mortgage over 30 years at 6.75% is 133,493.82. Making extra payments on a secured debt such as your mortgage has the potential to really work in your favor. Youll pay your loan off how to obtain a free credit report Utah sooner and free up extra money for the finer things in life. Be mindful of how much you are spending on things like groceries and dining out.

Youll be amazed to see just how much you can save.

Most of us dont understand or know what makes up our credit score. Your credit score is the most important piece of information in your financial life.