Brace yourself, if you have made some errors in the past so much as your credit is concerned. You should attempt to check before you hit the panic button though exactly how bad your credit is. Very often, poor credit items that appear on your credit report may be contested and sometimes removed. Additionally, errors on your credit report may have an adverse effect on your credit score, shunting you to the class of credit risk that is high. Items which are great news for you but don’t appear on your credit report (or on one or the other of those credit reporting agencies’ document on your credit history), may cost you some valuable points. Last, but not least, taking information from friends or well-intentioned relatives can lower your credit score. Continue reading
