How to Check Your Credit Score and History
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Do you know what is on your credit report? Finding out what this important document contains is simple just contact one of the credit reporting agencies and request your free copy. Interpreting the credit bureau’s information is simple too.
Most merchants deal with one of the major credit bureaus. Whether you realize it or not, if you have ever had a mortgage, car loan, or credit card, then you have a credit report on file. What this means for you is that to get your credit bureau report, you may need to request a report from all 3 so that you can get a look at your credit bureau “big picture” so you can repair your credit score and history if necessary.
Getting a free credit report is as simple as contacting the credit bureau. You can request one or all three of your credit reports online. What you have to do is to either make the request online or by mail. The credit bureau will want you to provide personal information to verify your identity. There are some websites that charge a fee to provide your report, but you do not have to use them—you are entitled to a free report each year by law.
Once you get the report from the credit bureau, pay particular attention to certain sections. Look for incorrect information in the first section. Your name, address, and other identifying information will appear in section one. Be sure to contact the credit bureau with any errors or corrections that are needed.
After the personal information section, your current bills appear next. Make sure that all the accounts listed are actually yours, and that the payments and balances are correct. Any missed or late payments will show up of the credit report.
Your credit reports from different agencies will vary slightly, as merchants report to different agencies. It is possible to have an excellent credit score with two of the 3 major bureaus and a poor rating with the other, for example. Your credit report list any requests or inquiries by lenders that have occurred recently. Check the report to ensure that no unauthorized person or company has made an inquiry without your permission.
After carefully reviewing your report, you should contact the credit bureau and request that any errors be corrected.
Knowing that your personal credit information is safe, accurate and up to date with the 3 major credit bureaus will give you peace of mind.
Tags: Credit, credit score, repair credit, repair credit score
Filed under: Credit Repair
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