To Get and Keep a Good Credit Score, Pay Attention to Your Credit Report

TO GET AND KEEP A GOOD CREDIT SCORE-
-Pay all your bills on time
-Make sure information in your credit report is correct
-Don’t use too much of the credit that is available to you.

GET YOUR FREE CREDIT REPORT EVERY YEAR Get free copies of your credit report from each of the big three consumer reporting agencies every year. If the information about you in the credit reports of the three large consumer reporting agencies is different, your credit score from each of the agencies will be different.

Online: You can order your credit report at www.annualcreditreport.com. Beware- some other sites that use the word “free” may charge you for another service in order to get your credit report. www.annualcreditreport.com really is free.

By phone: You can also order your free credit report by calling 877-322-8228.

By mail: To order free credit reports by mail, get the Annual Credit Report Request Form at www.ftc.gov/bcp/edu/resources/forms/requestformfinal.pdf and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

READ YOUR CREDIT REPORT AND DISPUTE ANY ERRORS For more information, please visit the FTC site www.ftc.gov/bcp/edu/pubs/consumer/credit/cre03.shtm.

BE PROACTIVE IN DEALING WITH CREDIT The Federal Trade Commission’s “Building a Better Credit Report” (www.ftc.gov/bcp/edu/pubs/consumer/credit/cre03.shtm)

Contact the UF/IFAS Extension Office at (850)926-3931 for more information.

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