Your credit can be brought down a lot faster than it can be brought up, so it might help to review these things that can hurt your credit:
– Not paying bills on time
– Filing for bankruptcy or foreclosure
– Applying for too many credit accounts
– Carrying high balances on your credit cards
– Ignoring questionable negative items on your report
The three main credit bureaus are Equifax, Experian and TransUnion. When lenders want to see your credit report, they will request it from one or more of these reporting agencies.
Your report and score can differ from bureau to bureau because they don’t always have the same information, so we recommend you check each report separately to confirm that everything is on the up-and-up. Access Your creditReport.