According to the US Faire Credit Reporting Act, a person can get a free copy of their credit report from the major credit bureaus, namely TransUnion, Equifax and Experian. The credit report is provided at no cost, and can be requested every 12 months. Here s how to gain your credit score. Collect All The Require Information Before getting a free credit report, first obtain all your account numbers and loan statements, since the credit reporting bureaus may ask that you provide the account numbers and payment amounts, to validate your identity. Your business credit report is generally based on the timeline of your payments, and unlike a personal credit report, a business credit report may have a number of active accounts, which can offer a positive effect, as long as your other accounts are in good standing. Your business credit score will also have some information that's self-reported, which is generally not allowed in personal credit reports. If the credit card you're using also carries a really large balance, it would also send a bad signal to various lenders and creditors. Unpaid Medical Bills Can Affect Your Credit Rating Unpaid medical bills can do a lot of damage to your credit score. Once these are turned over to a collection agency, the bad news will certainly be circulated aorund the lending community. Credit Monitoring Service: The Pros And Cons A credit monitoring service is a facility which helps people effectively handle, and keep tabs on their credit history, to determine if they are viable for availing any form of financing. With so many credit monitoring agencies in operation these days, most of these are reputable, while some companies are nothing but pure scams, who usually charge excessive fees. While making too much inquires can have a little negative effect on your credit score, missing out on the possible errors and wrong entries can do more damage to your credit standing. What Are The Two Types Of Credit Report Inquiries? According to credit experts, there are basically two types of credit report inquiries, the soft and hard inquiries. Add Other Small Forms Of Credit Once you've paid-off a large portion of your current debts, add other forms of credit, like get a small mobile phone contract, and pay it off every month. Small bills like mobile phone monthly payments may help to enhance your credit rating, and will also indicate that you're well-rounded when it comes to handling different forms of credit.