How to clean up your credit report

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Mixed race woman stacking coins

Mixed race woman stacking coins

By Jeff Reeves

Although it’s hard to put a price tag on your credit report, it is one of the most important assets you have as a consumer.

Credit reports — and the credit scores they help create — play a big role in your interest rate on car loans, credit card eligibility and even job applications to certain employers.

So how can you ensure your credit report is clean — or, if it’s a mess, how do you clean it up?

The first step is to review your borrowing history by obtaining a recent credit report. This is actually quite easy and comes at no cost. Simply visit AnnualCreditReport.com, which, under federal law, allows you access to one free credit report each year from each of the three main credit bureaus — Experian,Equifax and TransUnion. Each report will look slightly different, but all are meant to be comprehensive histories of your borrowing habits. Simply follow the instructions on the website.

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