by Barbara Nevins Taylor

The good news is that you can improve your credit.  Start by examining your CREDIT REPORT.  It shows your bill paying history and what you owe. And its important to check it to make sure that everything is accurate and up-to-date. A lot of companies advertise on TV, radio and the Internet that they can fix your credit for a fee. Don’t believe them. You can do this yourself for free.

Go to for a free credit report. You can do this three times a year. You do not need to pay a company or a service to pull your credit report.