If there was ever a time to have a good credit score, it's now. With the economy on the fritz and the job market flailing, it's never been more important to make sure your credit profile is top notch so that you still look attractive to borrowers that you may need to get money from.
There is a lot involved with getting your credit to the next level, but one thing that will take it to the next level involves something other than borrowing credit. The secret lies within your own online credit report. Let me explain;
You see, in order to have the best possible credit score, you have to ensure there are no errors on your report. The sad fact is that there are errors on anywhere between 25 to 30% of credit reports. That's an astonishing number of errors. Honestly as volatile as credit scoring is, just one little mistake can hold you back 100+ valuable points. That's the difference between being approved for a home loan and told to hit the bricks for another 3 years of wasteful renting.
So here's what you need to do to make sure your score is top notch.
First, get a free copy of your report online. The website makes it very simple to have one within seconds.
Second, grab 2 different highlighters and go through with one color highlighting everything you know is correct. With the other one start highlighting any mistakes you see or anything that doesn't look right. You can actually have these disputed and if they are mistakes they will be taken off within 30 days. Pretty neat huh? That's the easiest way to raise your score to the 700+ club and have literally every creditor drooling over the idea of approving you for a loan.