How to Get Good Credit: "Step 7: Review Your Credit Report Annually
About one in four credit reports have errors. Either a payment on a loan amount has not been recorded correctly or another billing company has posted incorrect non-payment information to your account.
Your credit report also maintains records on your employment, salary, bank accounts, etc., especially the information that you supplied when making a previous credit application.
You should review your report annually for errors and make the necessary corrections as instructed by the credit agency.
Step 8: Limit Inquiries on Your Credit Report
Multiple credit report inquiries over a period of time may negatively impact your credit score.
Every time you apply for credit, seek some kind on contractual service, or in some cases employment, a credit inquiry will be made on your report.
Models show that multiple inquiries over a period of time indicate an applicant who is anticipating credit problems. So limit credit inquiries when only necessary."
