One of the things I am learning in my move for the first time in three years is that credit really does matter. apartments in the metro Atlanta area are so hard to come by. Luckily we have found three that we like. They are close to work and family. As I am finding these places I am realizing how hard it is when you have bad credit. The fees that come with bad credit make it harder for you to do everything.
So for the past 30 days I have been working on my credit and I am proud to say with very little work I have raised my credit score by over 100 points. I am pretty proud of myself and as I continue to work on my credit I want to take you on this journey with me.
One of the first things I did was get a credit report. You are allowed to get a free credit report from all three major bureaus once a year. The great thing is that this can be done online and for free. Not only can you look at your credit report but you can also file your disputes online as well.
Go to: annualcreditreport.com to get your three free credit reports. From now till April 2021 you can get updated reports every two weeks due to the pandemic.
Now here is something I have learned something that is you can dispute your credit if it older than 7 years. If you have a bankruptcy older than 10 years you can dispute that as well. I am so excited about getting my credit back in order so that me and my husband can start looking at home ownership.