Non-Payment Of Apartment Rentals Defaulting on your apartment rental payments can also add to your credit rating woes. Your landlord can actually report that he or she has evicted you for defaulting on your apartment rent, and this would surely sne dshivers down most property management companies and mortgage lenders. Your business credit report is generally based on the timeline of your payments, and unlike a personal credit report, a business credit report may have a number of active accounts, which can offer a positive effect, as long as your other accounts are in good standing. Your business credit score will also have some information that's self-reported, which is generally not allowed in personal credit reports. Here are five ways for disputing discrepancies in your credit report. Order a Copy Of Your Credit Report From The Big 3 Credit Agencies The first thing to do is to order a copy of your credit report directly from each, or any of the three major credit agencies. Don t get your credit report from third-party agencies, because chances are you could be disputing errors or flaws that don t even exist. Use A Credit Card Wisely Although it may seem hard to avoid getting credit cards in these times, you just need to learn how to use it wisely. Use a credit card for making small purchases, and don t use it to borrow money every time you go shopping. Correct All Errors In Your Credit Report Once you get hold of your credit report, check it thoroughly, just like using a fine-tooth comb for removing any tangles in your hair. From here, you can link to the three major credit bureaus. Credit experts however frown on going to sites like the Free Credit Report, because despite their name, they actually charge monthly fees for their credit monitoring service. Once you re in the site, choose your state from the pull-down menu, and start filling your information. How To Improve Your Credit Score According to credit experts, there are a lot of methods for improving your credit score. Among the strategies include making sure that you pay your bills on time. If ever you missed some payments in the past, do all you can to pay your current bills on time. Also remember to keep your outstanding debt to as low as you can, and it would be better to pay the debt off, rather than simply move or transfer it around.