Take Charge of Your Credit

New rules phased in over the next three years will make it easier to correct mistakes on your credit report. Until then, it helps to be persistent.

Your credit history can help you buy a home or car, get a low-rate credit card, reduce your insurance premiums or impress an employer. It can also hurt your chances for all of the above, depending on what’s inside the file. That’s why it’s important to check your reports from the major credit bureaus regularly, in case negative information has slipped in by mistake. Plus, credit scores are based on facts in your reports, and glitches that start there could lower your score.

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Miriam Cross
Associate Editor, Kiplinger's Personal Finance
Miriam lived in Toronto, Canada, before joining Kiplinger's Personal Finance in November 2012. Prior to that, she freelanced as a fact-checker for several Canadian publications, including Reader's Digest Canada, Style at Home and Air Canada's enRoute. She received a BA from the University of Toronto with a major in English literature and completed a certificate in Magazine and Web Publishing at Ryerson University.