Does anyone have any quick tips on how to improve your credit score besides the obvious of paying your debts off and paying all your monthly bills on time?
I went to freecreditreport.com (be careful and cancel before 7 days goes by after signing up for this or you get charged like 15.00!)
My score was marked as FAIR on there around a 600 something.
Is there any way to get the late payments removed from your report?Do they eventually fall off?
Also does anyone know if certain things do not appear on your credit report?
Or does everything show up on there that you owe or still have not paid?
And how long does it take for your 30 or 60 day late payments marked on your report to drop off it?
Sorry I am pretty clueless about this. Thanks for taking the time to add your input!



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