It has been proven that a few loan companies and credit card issuers don't consistently report back to the credit agencies and as a result your report could possibly be missing months or even years of positive payments which might greatly affect your credit score.
To ensure that your payments are recorded one should regularly examine your reports. Here you need to contact the bureaus and ask them to give you your reports. The good side is the fact that the regulation permits you to access the credit history at no cost once a year.
Whenever you obtain the reports, you will need to go through them carefully to ensure that they are correct. When you recognize discrepancies you should communicate with the reporting agencies and inquire about to correct them. For perfect results, you must report the error as soon as you pinpoint these