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Improved credit provides you with many benefits, such as making it easier to buy a car or helping you get lower interest rates on a home loan. Although it can take a lot of time to eliminate the damage from big credit mistakes, you can take some small, simple steps to improve your credit. Combine these steps together and you’ll definitely improve your credit.

Check Your Credit Report for Errors

Unfortunately, errors often occur on credit reports, and an error can negatively affect your credit. Make sure that you check your credit report at least once each year for errors. Errors to look for include:

Accounts that have the wrong credit limit
Accounts that have the wrong account dates
Addresses where you’ve never lived
Accounts that you did not open
Negative information, such as late payments, that are older than seven years
Social security numbers or names that aren’t yours