ccount to a bureau or report more frequently, you can always ask. Sometimes it’s all but impossible to get your on-time payments recorded. Most landlords, utility companies, anThere’s more to credit repair than just getting rid of the negative information. You need to ensure that any positive information that can be included in your file actually is.

1. Try to Get Positive Accounts Reported: You know that the credit bureaus typically don’t share information, but it can be frustrating if one of your good, paid-on-time accounts doesn’t show up on all of your credit reports. What’s worse is when a credit account isn’t reported at all. Some creditors simply don’t bother to use credit bureau services, and others deliberately hide the histories of their best customers for fear that their competitors will swoop in.

Although you can’t force a creditor to report an account to a bureau or report more frequently, you can always ask. Sometimes it’s all but impossible to get your on-time payments recorded. Most landlords, utility companies, and

1. Try to Get Positive Accounts Reported: You know that the credit bureaus typically don’t share information, but it can be frustrating if one of your good, paid-on-time accounts doesn’t show up on all of your credit reports. What’s worse is when a credit account isn’t reported at all. Some creditors simply don’t bother to use credit bureau services, and others deliberately hide the histories of their best customers for fear that their competitors will swoop in.

Although you can’t force a creditor to report an account to a bureau or report more frequently, you can always ask. Sometimes it’s all but impossible to get your on-time payments recorded. Most landlords, utility companies, an

accounts doesn’t show up on all of your credit reports. What’s worse is when a credit account isn’t reported at all. Some creditors simply don’t bother to use credit bureau services, and others deliberately hide the histories of their best customers for fear that their competitors will swoop in.

Although you can’t force a creditor to report an account to a bureau or report more frequently, you can always ask. Sometimes it’s all but impossible to get your on-time payments recorded. Most landlords, utility companies, an

vices, and others deliberately hide the histories of their best customers for fear that their competitors will swoop in.

Although you can’t force a creditor to report an account to a bureau or report more frequently, you can always ask. Sometimes it’s all but impossible to get your on-time payments recorded. Most landlords, utility companies, an

ccount to a bureau or report more frequently, you can always ask. Sometimes it’s all but impossible to get your on-time payments recorded. Most landlords, utility companies, and phone companies will only report you to the credit bureaus if you screw up. (So be sure you don’t screw up.)

2. Borrow Someone Else’s History: Being added to someone else’s credit card account as an authorized user can instantly improve your credit report if that person’s credit is in good shape. (The opposite can also happen, so make sure you pick the right person.) A cooperative credit issuer imports the card user’s account history into your report so that you can benefit from the other person’s good financial habits. Not all credit issuers do this import, though, so it’s important to call first and ask. There’s another plus to being an authorized, rather than a joint, user: You’re not li