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The amount of credit inquiries made on your report can also make your credit score go down. This is because lenders believe you may be planning to go on spending spree if you’re trying to open several new accounts in a short period of time. To keep your score up, don’t apply for credit cards or loans unless they are absolutely necessary.

However, since personal inquiries won’t affect your credit score, it’s fine to request a copy of your credit report on a regular basis in order to check for discrepancies or signs of identity theft. While bankruptcy can provide a fresh start for those in serious financial trouble, filing for bankruptcy will make your credit score go down significantly. In addition, a bankruptcy filing will stay on your credit report for 10 years. Typically, filing for bankruptcy will free credit report and credit score Michigan make your credit score go down by 160-220 points. free credit rating

If you’ve recently been denied credit because your score is too low, don’t be discouraged. Since the FICO scoring system is designed to allow recent good behavior to help offset past mistakes, making a conscious effort to use credit cards responsibly and pay your bills on time will gradually improve your score.

It’s not an easy process, but the results are well worth the extra effort. Credit free credit report and credit score Michigan Reports Posted in Credit Reports | No Comments Posted in Credit Reports | No Comments tinyurl.com Just Click Here tinyurl.com To Check My 100 % free Instant Credit Score Online. credit bureau report

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