FICO scores consider your credit history over several years, making it difficult to increase
your credit score in a short time frame. Over the long term you can improve your
credit-worthiness by:
- Reducing your total indebtness;
- making your debt payments on time and in full;
- closing unneeded credit accounts; and
- avoiding bankruptcy and foreclosures.
Tip
You can review your credit report by requesting a copy from any of the main reporting
repositories -- Equifax, Experian, and TransUnion.
Equifax
P.O. Box 105873
Atlanta, GA 30348
(800) 685-1111
www.equifax.com
Experian
P.O. Box 2104
Allen, TX 75013-2104
(888) 397-3742
www.experian.com
Trans Union LLC
Consumer Disclosure Center
P.O. Box 390
Springfield, PA 19064-0390
(800) 888-4213
www.transunion.com