Anyone with a poor credit report understands how a low FICO score can affect every day life. A poor credit report isn't the end of the world. There is much consumers can do to make improvements to the credit report and increase their FICO score.

Correcting Credit Report Errors

The first thing to do when looking to make improvements to a credit report is to get a copy of the credit report. AnnualCreditReport.com is a website that provides free credit reports from the three credit reporting agencies (Equifax, TransUnion and Experian). Just stop by their website and order a copy.

Review the Credit Report

After receiving the credit reports from the three agencies, it's time to review them for inaccuracies. There are three phases to reviewing a credit report: