Chandigarh, India (PressExposure) November 17, 2009 -- What is a credit report you might ask? You have a credit card. You have been doing a lot of buying on your credit card. You get your bills in about a month's time. You pay off the outstanding amounts on the bills. That is really good your credit score rating is quite good. You are definitely a good credit risk. Banks are going to be happy to lend you money. That is because you are conscientious enough to pay off your bills in time. You also have managed your financial data and transactions in such a way that you do not have any worries in paying your bills in time.
But that is not the case for a large majority of people out there. It is natural that we get tempted to do some sort of expenditure which could have been put off until all the bills were paid. What happens then? Our credit score goes down on Credit score scale. So then we begin to think about how we can raise our credit score on credit score scale.
If you are seriously thinking to raise your credit score on Credit score scale you might be looking for Credit repair secrets. The best Credit repair secret is right in your hands in the shape of your credit report.
You are reading your credit report. Suddenly you notice a couple of inaccuracies. You paid that bill in time. How are they showing a late payment? In the same manner they are showing a number of charge-offs which were definitely not done by you. You did not spend so much money eating in the most expensive hotel in town on such and such date. You were away for the weekend. Uh-huh somebody else's negative listings have been posted on your statement. You are definitely going to protest against such injustice.
These Credit repair secrets are not used by many people because they do not know that they can raise their credit score on Credit score scale just by getting all these negative items removed.
Some of the negative listings are going to include collections, charge-offs, wrong billing, and late payments. Of course you should know everything about your own financial status so that you can show proof that the negative listings do not belong to you. Once you have disputed the inaccurate matter on your credit score report you are going to find that it is going to raise your credit score on credit score scale quite high. So look at your credit statement right now. You might find some negative listings which need to be disputed. Use these Credit repair secrets to raise your credit score on Credit score scale.