Your credit score is calculated based on information in your credit report. The sad reality is that credit reports often contain lots of mistakes that can pull down your credit score.
You have a credit report from each of the three credit bureaus: Equifax, Experian and TransUnion.
The credit bureaus are required to give you a free credit report once a year. The only place you should request a credit report is at annualcreditreport.com. Once you have a report scour it carefully. If you find a mistake-such as a debt you paid off that is still showing up as unpaid-follow the directions to submit a dispute.
Suze Orman is a award winning certified financial planner and author of several books including 'The Road to Wealth'. She went from being a waitress at age 30, making $400 a month, to now having her own TV show and a net worth of $30 million dollars.
