Almost EVERYONE has something they could improve on their credit.

Sure, some things are worse than others. But almost everyone has forgot to pay something and ended up with a small collection or a slow payment on their credit. The problem is usually correctable.

If you could raise your credit score, would you?

Seems like an easy question to answer, but either because of laziness or uncertainty, most people who could improve their credit rating do not. There are several things you can do (for free) to improve your credit rating:

Step 1. Get a copy of your credit report (with score). Sure, you could go to one of the government sponsored sites and get a free credit report, but you those programs do not show you your score. The score is important to benchmark your credit improvement and see what creditors see. Credit.com also offers some free credit report options that include the score. CLICK HERE TO GET YOUR FREE CREDIT REPORT WITH SCORE.

Step 2. Review your credit report looking for things that you know are inaccurate or MAY BE inaccurate. All of the credit bureaus are

required to let you dispute anything that may be inaccurate on your credit. We recommend disputing negative items on your credit IN WRITING via certified mail. The creditors reporting negative items on your credit are REQUIRED to provide proof of any negative item being reported within a short amount of time. If they do not provide proof, the item must be removed.

Some people have A LOT of bad items on their credit. If that is the case, you may decide to have a professional company repair your credit. If you do not have the time to dispute negative items on your credit, you can sign up for Credit Repair at JumpStartMyCredit.com. We also give more details about how to repair your own credit for free in our blog.

Step 3. So you have a copy of your credit report, and you have disputed all of the items you could on your credit. What’s next? Re-establishing your credit. Bad credit may be your past, but we want you to prove that good credit is your future. Many lenders want to see recent loan accounts paid as agreed to consider you for a major loan at prime interest rates. JumpStartMyCredit.com gives you the opportunity to apply for Auto Loans, Home Loans, and Unsecured Loans that can help you show a positive payment history.

Follow the steps above and you will be on your way to an improved credit rating. Keep a look out for future blog posts at JumpStartMyCredit.com.