How to maintain your Credit scores

Earning credit is important for the lenders to give you a credit or loan. Nationwide there are three companies that formulate credit scores, they are Equifax, Experian and Transunion. It is better to get a correct Credit report from these companies, eventhough they are different. To improve credit score, one have to pay his bills regularly, one should not transfer bills everytime,just pay them off, companies to which credit payment is important should have a balance of 25% everytime , it is better to have a minimum number of credit cards, having a lot of them doesn't going to help you in improving your credit score. The calculation of the credit score changes from company to company, as they have different information and procedure to calculate the credit score. Situations like bankruptcies, foreclosures, transliens affects my credit score drastically, but the myth is that paying bills at time may not influence your credit score, but not paying for a long time may easily affect your credit score. There are many steps to remove credit report errors, the first step is to obtain the credit reports from different companies, because they may be different, as each of have different information about you. It is better to contact annual credit report request service at 877-322-8228 which provide one report from each company at free of cost. The information to be removed from your credit report are the duplicated ones, wrong ones and the outdated information and you may ask your agency to remove improper information.