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Free Credit Report - The Best Way to Check on Your Credit Score While Applying For Loans

 


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During these troubled times it is getting increasingly difficult to get a business loan on almost anything from a mortgage loan to a small business loan to purchase a new business. The federal reserve is trying its best to loosen the credit markets but I don't think that credit will really flow freely until the current foreclosure glutt works its way through the system but that doesn't mean that you should stop preparing yourself to increase your chances even during these bad financial times to keep trying to get yourself a loan. One of the best way to do this is to keep a good check on your current credit score to make sure its at the highest rate possible for you.

Ways that you can keep your credit score high and even get it higher is to buy more with your credit card and make sure that you are on time with your payments when you balance out your credit card at the end of the month. Another way is to borrow small loan amounts on your credit card and also pay that back on time. Remember also an integral part of making sure that you are doing everything right to keep your credit score high is to actually keep a steady eye on your actual credit score. You have by law the right to check your credit score once every year for free and after that you need to pay for them.

Once a year should be good enough for you because if you ask for too many credit reports during the year you can get penalized by the big three Equifax, Experian and TransUnion and this can actually lower your credit score. Remember also that you can request your free online credit report on the internet at many great free credit check locations. just remember to do a scam check on each one before trying them out to verify they are the real thing as you don't want to submit your personal information through the internet to every tom, dick and harry out there. Just remember when it comes to credit and borrowing remember what Doctor Ron Paul says to stay within your means and not to live beyond your means. This means that we have to start controlling our borrowing behaviors so that we can get into the habit of not borrowing so much that we cant afford to pay it back.

I love writing about subjects that can help people during troubled times , especially pertaining to things that have to do with your credit score and how to properly get a free credit report

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