Scores are calculated using information in your credit files that are maintained by nationwide credit reporting agencies like Equifax, Experian, and TransUnion. The vast majority of consumers have errors on their credit reports that go undetected for years because they’ve never taken the time to review them.
If data in your credit reports is negative or incorrect, it’s probably dragging down your credit scores without you knowing. However, it’s easy to dispute errors and get your credit reports corrected. Start by visitingannualcreditreport.com to view or print each of your 3 free credit reports.
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