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. Pay-Off A Sizable Amount of Your Current Debts In order to build a good credit score, pay-off a sizable portion of your current debt load, since the more available credit you have, the more will your credit rating improve. Also have a considerable savings and checking account, as well as learn to regulate it too. A credit report is generally presented in an easy-to-understand format, which won t require you to hire the services of a professional financial analyst to sort through the clutter. - Credit monitoring services quickly notify you of any activity in your account. You ll also be able to immediately notice if ever there are any inconsistencies, inaccuracies or flaws within your report. Report Your Transactions To The Major Credit Bureaus Once you determine the requirements of credit bureaus, the next step should be to report your transactions and financial undertakings to the major creidt burueaus today. Provide copies of your reports to agencies like Experian, Equifax, Dun And Bradstreet, Business Credit USA and others. 5 A Loan Company Can, For A Small Fee, Fix Your Credit Score Credit bureaus can t do anything to soften up or alter your credit score, especially if it s filled with lots of information about you not handling your debts well. The only way to improve or enhance your credit report, is by showing that you can handle your debt load well in the future. Once you re in the site, choose your state from the pull-down menu, and start filling your information. Ask For Credit Reports From The 3 Major Credit Bureaus The next step would be to request for credit report from the 3 major credit bureaus, since you won t be charged with any fees. However, because you re only allowed one company per year, order them on a staggered basis throughout the year instead.