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In addition to the tips you've just read, there are several other important things you should do. First, check your credit reports, which you can get free once a year at www.annualcreditreport.com. When you get your reports be sure to review them carefully to make sure that they don't contain errors. A report released by the Federal Trade Commission two years ago revealed that nearly 20% of us have errors in our credit reports serious enough they could be damaging our credit scores. Given this, it's important to check over your reports carefully to make sure there isn't any inaccurate information that's damaging your credit score
Be careful, be very careful
Be careful about signing up for one of those services that promise to monitor your credit report on a monthly basis. These services generally charge up to $15 or $20 a month. However, there's not much they can do that you can't do yourself for free. In fact, what many experts advise is to get your free credit reports one at a time every four months. Do this and you will in effect be monitoring your credit throughout the year and without spending a dime to do it.