Your credit report is a
snapshot of everything you have ever done in your life that
has involved your use of credit. It is a very important
that you monitor your credit report regularly to make
sure there aren’t any inconsistencies or mistakes that could
adversely affect your future applications for credit.
There are three credit report agencies that
compile your credit information into one easy to read
report. Not all companies report to all three bureaus
and they are not required to report to any of them. However,
you will find that many companies will go ahead and report credit transactions to at least one of the three
companies.
FICO Credit Score
The three credit reporting agencies are:
Experian,
Equifax, and TransUnion. No one company is any “better”
than the other. They all have different ways of making
credit reports, but they all generally operate in the
same way. You can find them easily on the web at:
www.experian.com,
www.equifax.com, and
www.transunion.com.
The FACT Act was passed in 1997 and provided one free
credit report each year for anyone who requests one.
Although it’s a good idea to get a copy of all three
reports, you will only get one for free. You can get the
other two by paying a small fee.
You will have to enter
in your personal information and then your credit report
will appear directly on your computer. You can then print it
out and check it for accuracy.
We can’t stress enough that
you should check over your
credit report on a regular basis. Often, mistakes can be made and you can take steps to removing
that information so that you won’t be denied credit solely
because an error was made. The credit reporting companies
are often eager to work with you to repair mistakes. You
will need to contact them with proof of the inaccuracy and
it will be removed.
Since the decision to offer you credit
whether it be
for a credit card, a home loan, or a car
loan is made solely on the information contained in your
credit report, you should strive to keep your credit
record clean and free from errors. Your credit score is
determined by the information on your credit report as well
and you want your credit score to be as high as it possibly
can be so you can get loans for what you need or want.
Just don’t get into trouble with credit. Then your credit
report won’t appear so good to a potential lender.
If You are Just Starting to
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From the desk of Steven Keltsch
Date:
Dear Reader,
Your
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Every effort has been made to
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claims made of actual earnings or examples of actual results
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there is no guarantee that you will earn any money.
'Wait - Don't Forget About'
