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As municipal governments increase efforts to collect unpaid parking tickets, dog-catcher fines, library fines and the like, some consumers are seeing a surprising impact—a radical drop in their credit scores. To each individual consumer, the fines in question may be very small and collection actions may seem petty and unnecessary. For many cities, however, these unpaid fines and fees add up to millions of dollars a year. Not only would the extra interest have a disastrous impact on my bank account, it would price me completely out of my dream home – a terrifying thought indeed. While I celebrated the approval, I shuddered at the terms. I begrudgingly went forward with the lending process. Although I loathed that extra interest, I hated the thought of not owning a home even more.

This fact makes it a very good idea to check your score via a free online site at least once a year. If you do not know that an error is reported against you, you may reap the negative consequences in the form of denied loan applications and rejected rental requests. If you spot any errors, however, you can move swiftly to have them corrected.

Next , add an installment loan to the mix.

There are nine quick steps to fix their credit score. If get a credit card if don't have one. Next , add an installment loan to the mix. Pay down your credit card. Use your card lightly by limiting it to 30%. Check your limit regularly. Get rid of any old card. Get some good will. Dispute old negatives and blitz significant errors. 816 credits :D i hope this helps oh and use the credits to gift ur fav account ;D Can a company provide you with 3 credit scores free, By law, the government is required to give you your credit scores one a year as long as you ask for them. If you want to get your credit score more than once a year you can go through a credit monitering service but be warned that having your credit checked too much can actually lower the score. Where can you get 3 credit scores for free,

1. Credit background
2. 700 to 850 = excellent
3. 300 - 499 -- Bad Credit
4. Types of Credit

Fico credit score can be found at MyFico. In there one can get information about his credit score as well as about his credit reports, all onine. The use of the site is for free. What is the difference between free credit report and credit score, A free credit report is a list of your debt history. Checking out the score with the help of online web portals is not going to hurt finance history at all. These kinds of checks come under the category of soft check and credit bureaus do not deduct any point for it. The main aim of online free credit score is to change the way of people how they handle finances. As a result, people get opportunity to keep a close eye on score and can reduce the existing debts accordingly.