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Getting Credit With A Shoddy Credit Score

By Sarah Dudley-Jones

Good credit is a must have in order to be able to live without restraints and to do the things in life that will require you to have use of your information. Life can be harsh if you are attempting to purchase items or open a business or a apply for a loan if your credit score is below average. This will make it more challenging when seeking loans for borrowing with any lending agency or bank.

Being less than credit efficient can cause a number of life related strife such as not being able to purchase a car or rent an apartment or open a low interest card let alone making major purchases such as buying a house as well as opening your own business.

During today time, you can not get around not having a good paying history in some form or fashion. Whatever you attempt to accomplish in life, at some point, will require you to access your report on file. There is no way around this unless you have money put aside to us as collateral or you are capable of living an affluent lifestyle and access to money is not an issue for you to get a hold of when you need it.

In order to find out about your score and what it says about you, you must be able to request all of your reports. This is where you will be able to see for yourself what the lenders will see. Once you have seen your report you can address the issues that may be incorrect, out dated or wrongly reported.

The first step is to make a request to the three major reporting bureau agencies, these would be Experian, Equifax and Trans Union. You are entitled to receive a free report yearly from any of the above agencies. Additional reports may be obtained if the reason for needing the report has something to do with being denied for any reason, for employment purposes as well as to prove theft or fraud.

There are different ways to receive all of your reports. It can be order via online through the agency website or via regular postal mail. You will need to give proof of your identity and issue a letter explaining who you are and why the information you are addressing is not correct.

Once you have gone through the necessary steps to resolve any issues or discrepancies that may be lowering your score, you can moving forward along the process of boosting your rating. These steps will have to be taken in order to have the creditor began to look at your credit in a favorable light.

Besides looking at your report the lender will also check out a few other things. They will inquire about your income, your work history, the length of time on the job and if there is any additional income outside of employment. The lender will access these items along with your credit to determine if you qualify for a loan.

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Article Citation
MLA Style Citation:
Dudley-Jones, Sarah "Getting Credit With A Shoddy Credit Score." Getting Credit With A Shoddy Credit Score. 25 Jun. 2010. 8 Feb 2016 <>.

APA Style Citation:
Dudley-Jones, S (2010, June 25). Getting Credit With A Shoddy Credit Score. Retrieved February 8, 2016, from

Chicago Style Citation:
Dudley-Jones, Sarah "Getting Credit With A Shoddy Credit Score"

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