My sister and I went to a bank to apply for a car loan. Honestly, my sister has a credit dispute then, so she ask me to help her fix the problem. We met a guy named Renan the loan officer, he was very professional, patient and informative. We felt very comfortable asking questions not cleared to us and he always was very polite with the answers. My sister main concern is about the blemish on her credit report, Renan told us it is due to the nature of credit reporting industry. Those blemishes can be unverifiable negative items mistakenly included on your records.

He taught us a lot of things how to improve credit and improve credit score as well. He added the following that we must remember to have the best credit score, pay your bills on time, know your outstanding debt, how long is your credit history?, how many and what types of credit accounts do you have? and lastly, have you applied for a new credit recently?.