Credit scores can change with credit repair, good behavior

While many Americans are constantly watching their credit reports for signs of credit damage and score fluctuations, recent polls suggest some consumers may be unaware of the ever-changing nature of these important numbers and documents.

As a result, consumers who have recently experienced a foreclosure or a bankruptcy often lose focus of the bigger picture of their finances. However, by looking over their reports, and disputing errors, even these consumers could see a big change.

"One common myth is that credit scores are static, that they don't change that often or that you have to do something huge for them to change," Natalie Lohrenz, director of counseling at the Consumer Credit Counseling Service of Orange County, California, told AOL.

Changing a credit report can be as simple as ordering a copy of the document and searching for errors. Recent research suggests 80 percent of these documents contain at least one error and citing them and removing them could offer big benefits.

Consumers should carefully examine merchant transactions and past medical bills, as many of these also include questionable errors. But, by contacting a credit repair organization, consumers may be able to investigate and learn how to properly work out these errors.