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If everything looks okay, then take a close look at your accounts.
Are they listed with the proper information, and does it correctly reflect the payments you’ve made?
And monitor your credit regularly so that you know what affects it both positively and negatively.
The credit industry is much much stricter now than it used to be so it has become much more important to manage your credit well.
Also, try to pay more than the minimum if you can, because the less you pay, the longer you stay in debt.
Also have a look at the article called Credit Monitoring Services, where we discuss services that help you regularly review, manage and monitor your credit information. Clean Up Errors on Your Credit Report Once you have your reports, scan over the personal information, such as your address and employer info.If you haven’t already done so this year, head over to Annual Credit to request your free credit reports from Equifax, Experian, and Trans Union, the three major credit bureaus.