Authorized user credit is a proven strategy to improve credit scores but there could be drawbacks depending on the primary cardholder’s credit habits.
One of the best ways to change your credit score is to add good credit to your credit reports and there are 3 simple ways to add good credit.
Credit scores can take a dive if you have duplicate negative information reporting because it appears that you have more DEBT than you actually have
Should you place a credit freeze. A credit freeze could prevent an identity thief from obtaining credit in your name. You’ll have to place a credit freeze on Experian, Transunion and Equifax, individually.
If disputing negative credit is not your cup of tea, use these techniques to pad your credit report with positive information. Current positive information, like on-time payment history, will help your credit scores.
Having negative information on your credit reports can feel like a life sentence but there is a credit reporting time limit to most negative credit entries.
As the Equifax data breach looms over millions of consumers, there are other scams to protect your credit files from and ways to freeze your credit reports for free.
Shopping for a car loan can result in multiple credit inquiries from various lenders but the inquiries should only count as ONE against your credit scores.
How to get your credit reports for free from the 3 major bureaus.