In Part 1, we discussed getting your free credit file disclosures at a site like AnnualCreditReport.com.

Step 2:  Clear up any errors

What you can do:

Check your reports for any errors, such as incorrect addresses, duplicate entries, incorrect account information, etc.  If you find errors, contact the credit bureau issuing the report.  They will investigate and advise you of their actions to correct the error.  If the credit bureau does not resolve the error, you may need to contact the company or organization responsible for reporting the information.

Note:  Certain factors affect your insurance score until they drop off your credit report, which takes seven to ten years depending on the type of record.  These include

• bankruptcies
• liens
• garnishments
• judgments
• suits
• collection agency filings

Next:  Step 3 – Take Steps to Improve Your Credit Score

For more information, drop by our website at www.albionagencies.com, or get in touch with me.

The information in this post is general in nature, and geared toward insurance conditions in Western New York.  As always, you should speak with an insurance adviser to determine your specific insurance needs.