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Do not get new credit cards if you do not need them.

If someone else's actions , you may have a case, but only if the , malicious, or infringed upon your rights, including a creditor's willing or negligent provision of inaccurate information to credit reporting bureaus.

The information that affects your score includes:• These reports show all the information each bureau has on you, and it's important to review them for errors.

For Example What if I do not have credit? Other good habits to support your Credit Score are proper debt level management and avoid excessive applications for credit.

give you a free copy of your report once every 12 months• Failure to update accounts with the new details, or to close down old ones, can also affect perceptions of your creditworthiness.

How Do I Dispute Erroneous Information on My Credit Report? If your credit history is poor, a lender is very unlikely to give you a loan even if you have the income to repay it.

Please note that the score provided under this service is for educational purposes only and may not be the score used by Wells Fargo to make credit decisions.

You can get a free copy of your credit report every year.

A credit score is a number.