![\"Credit](\"http:\/\/www.consumerslaw.com\/blog\/wp-content\/uploads\/2019\/01\/experian-good-score-ranges.png\")
<\/p>\nA high credit score makes many aspects of our lives more simple. It may be easier to purchase a home or car, secure a new line of credit, rent an apartment, or possibly be hired for a job or awarded a promotion.<\/p>\n
A credit score of 800 and above is considered excellent and indicates that the consumer not only uses credit, but pays bills in full and on time. A\u00a0 score in the 700s is considered good, however there may be some negative listing on the credit report such as late payments. Scores falling in the 600s are considered fair and may represent denial of a loan, or possibly approval but with lower credit limits or higher interest rates . Lower scores indicate to lenders that the consumer is a high credit risk and either, the consumer may be denied, or credit would be offered with unfavorable terms.<\/p>\n
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Consumers with poor credit may seek ways to repair and improve their credit scores quickly. However, it’s a process that takes time and responsible financial management.\u00a0 Paying bills in full and on time, maintaining a low credit utilization, and paying off debt are critical steps.\u00a0 Also, a regular\u00a0review of your credit report<\/a> for accuracy is important.\u00a0 Every twelve months consumers are entitled to a free report from each, Transunion, Experian and Equifax.\u00a0 If there are errors listed on the credit report, the consumer should promptly\u00a0dispute the errors.<\/p>\n Send a dispute letter to the bureau by US Mail with an explanation of the error and documents that support your claim.\u00a0 Be sure to keep a complete copy of your dispute.\u00a0 The credit bureaus have 30 days to respond to disputes.\u00a0 The bureau does not correct the error, you may need to re-dispute until your report has been corrected.<\/p>\n Flitter Milz is a nationally recognized consumer protection law firm that represents victims of credit reporting errors by credit data furnishers and the credit bureaus.\u00a0 Contact us<\/a>\u00a0 for a free evaluation of your credit report errors for a potential violation of the Fair Credit Reporting Act.<\/p>\n","protected":false},"excerpt":{"rendered":" A high credit score makes many aspects of our lives more simple. It may be easier to purchase a home or car, secure a new line of credit, rent an apartment, or possibly be hired for a job or awarded a promotion. What is a good credit score? A credit score of 800 and above … <\/p>\nSeek Legal Help<\/h3>\n