Instead of getting your credit report once a year from all 3 at at once...... split them up. Request from one, wait four months, request from another, wait four months, request from the third, wait four months and request from the first again.
This way, instead of getting a free report once per year (from all 3 agencies at one), you get a report 3 times a year and are more likely to spot/catch a problem early.
The ratings points basis is not the same for all reporting agencies.
Where you apply for credit may use a different rating agency than you pulled if you pull only one and that may hurt you.
heep in mind that if you have say an 800 imperical score it does not guarantee you will get a loan or a loan at a preferred rate (good rate).
1) Percentage of available credit currently used. (are you maxed on your credit lines?
2) how many lines of credit do you have? we want to see someone who has a history of paying bills with a number of credit lines
one thing you can do -- dust off your unused cards and charge something -- anything to get a current use record. Can be a $1.00.