Hey everybody,

My name is Richard and I’m going to be talking about ways to help you raise your credit score. If you’ve had a foreclosure, bankruptcy, or unpaid credit bills (heck just about any unpaid  bills) you will have a low credit score and a  hard time getting a good APR on your car or house loans and even a good job. I should know I’ve been there.

Establishing good credit doesn’t happen over night. It does take time and patience. You’re on your way to a better credit score already.

First thing to do is get your credit report. You can get a free credit report Here . This site will give you Free Credit Reports and Free Credit Scores from the three major credit companies – Experian, TransUnion, and Equifax. Most other free credit reports sites will only give you the Free Credit Report and you would have to pay for your score separately.

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