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LadyLuck67

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how long dose it get my credit right

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Depends on how long it has been wrong and what you are doing.  That is why this site is a big help.  It uses information from Transunion (one of the three credit bureaus) to get a basic picture of one's credit usage pattern, and forms the scores.  This site also provide Financial Tools to help individuals see in a virtual sense what would be the result of particular credit actions without having to find out "the hard way" by actually going ahead and doing it.

An important action you should be taking every year is checking all three credit reports to make sure the information contained in them is correct.  Errors are common.  Go to annualcreditreport.com to get copies of all 3 credit reports.  Look them over very carefully and file disputes for all WRONG information (not my account, wrong address/phone, etc) with the credit bureau reporting same. They have to investigate and either verify or delete the disputed items.  Do this credit check once a year to make sure all information is correct.

Hope this helps.

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