You’ve bought things on credit and made payments with the best of intentions. You’ve established a credit history, but that history may be a little less than perfect. Not to worry. Even if your credit is nothing to brag about right now, there are ways to improve it.
Missing one payment might not be too hard to correct. Missing a lot of payments is a different story and so remember, improving your credit takes time. Also, previously reported bad credit does not disappear once an account is brought current. The process of improving credit is built on sustained, good habits.
Checking your credit is an important task that should be done at least annually. How? It’s easier than you think. Federal law entitles you to one free copy of your credit report every year from each of the three credit reporting agencies. Order online at annualcreditreport.com or call 1-877-322-8228.
If you have questions about your credit history or basic identification information, contact:
If you believe a credit bureau contains inaccurate information about your Ford Credit account, send a dispute in writing to:
Customer Service Center
Credit Dispute Department
PO Box 542000
Omaha, NE 68154-8000
Please include the following when submitting a dispute to Ford Credit:
The ins and outs of financing a car.
What you need to know before you go.
Tips for managing your account and lease end.