Boost your credit score by adding missing accounts:
Once you clean up your credit history, start looking for ways to build it. Look for credit lines that could have been included in your file, but weren’t. List every company you pay monthly, contact the companies, and ask them to report your payment history to the credit bureaus. These types of companies may be willing to report on your behalf:
Keep in mind, however, that no company is required to report your payments, on-time or not, and many utility companies won’t. So when you approach companies like those above, you’re asking for a favor, not making a demand.
Once you clean up your credit history, start looking for ways to build it. Look for credit lines that could have been included in your file, but weren’t. List every company you pay monthly, contact the companies, and ask them to report your payment history to the credit bureaus. These types of companies may be willing to report on your behalf:
- Wireless provider
- Cable and Internet provider
- Utility company
- Telephone company
Keep in mind, however, that no company is required to report your payments, on-time or not, and many utility companies won’t. So when you approach companies like those above, you’re asking for a favor, not making a demand.