If you don’t know what’s on your Credit Report and you have not pulled your free annual report I would encourage you to make this a priority next week. Go to: https://www.annualcreditreport.com
Any credit report can be mended. It can take time. I mostly think you want to have a continuous vigil in making sure correct information is on your report and you are not a victim of Identity theft. All three bureaus are available once a year to the consumer for free. There are also several web sites now that offer free credit reports. They may have one or two of the credit bureaus on their site. They may also update on a regular basis and can be accessed multiple times throughout the year to check your report at no cost to you and will not have any impact on your score.
For more information or to get help with your credit please contact the Home Center at 406-206-2717. We can help you pull your credit and create an action plan to improve your credit. The service is free.
The sooner you start to manage this area of your life the sooner your score will improve. The sooner you will be in a position to make large purchases or save money on insurance or lower the cost and buying and owning a car. The benefits are many and quite worth the effort.
I am no Dave Ramsey but I have learned a little from some of my own mistakes. As an 80s graduate of the Father Guido Sarducci Five Minute University, I was highly sought after for low-level retail jobs at first. But when they dried up, I was forced to go back to school and get an additional degree in communications. Now I would still have a low-level retail job with with student loan debit to go along with it. Facing an uphill battle, I did the smart thing and started a family.