Since the Internet and the telephone have made obtaining and using your credit line so easy, it is important to keep up-to-date with a free credit report. Your credit report is important in many ways. It provides lenders with information not just about your financial health but also in regards to how you are paying off debt. Keeping up-to-date with your reports is also a good practice that requires you to make sure you are properly informed. A free report is just one way to keep tabs on your financial health, your credit rating and the status of your credit. Don’t worry about whether or not a free credit report is accurate; you can always use a free report where you know what’s up.
1. Check your credit report
Check your credit report to make sure the information you receive from each of the three major credit reporting companies is accurate. The best place to find out how to get it is the Internet (www.Consumerist.com). Each of the three major credit reporting companies (Experian, Equifax, Trans Union) maintain different versions of the credit reports that are used by consumers. Each is required by the federal Consumer Protection Act to verify and update your reports, so you’ve only got yourself a problem.
2. Check your credit score
Check your credit report if you find erroneous information on it. If a company has reported something that you cannot meet the terms of your agreement with them, you can dispute the inaccurate information. You can also dispute the false information and correct the credit report by providing all of the information on your credit file, including your income, the years you have had your previous credit, the number and type of accounts, the amount of any late, late-related, collection, or fraud charges, and the name, address, and phone number of the person or organization that provided the inaccurate information.
3. Check your bills and your credit report
Make sure all of the information you receive is accurate and that it is being reported to the appropriate credit reporting company. If your credit report includes errors related to your payment on an account, make sure that you have all of the necessary documentation to resolve the issue. The following is a small guide on how to check your credit report in a timely manner.
If you do not make a payment on your account, there is usually a fee that will be assessed for late payments or a late payment due on time. You can find more information on this topic on your individual credit report webpage.
Getting Your Free Credit Report
Some consumers simply seek a free credit report from each of the three major credit reporting companies to keep a check on their credit report. This is called obtaining a copy of your credit report. If you are not familiar with obtaining a free credit report online, you can find it at: http://www.annualcreditreport.com/ Free Credit Report is not affiliated with these companies.
How is your free credit report?
Your free credit report from AnnualCreditReport.com is a list of available items. Each year you can get a free copy or two each year. When you go to visit your current provider’s website or to check your credit report, you will need to click the link to view the free report.
Free credit report:
To request a free credit report from an AnnualCreditReport.com, you will need to fill up an application form and return it by mail or mail certified mail, and also by certified mail certified mail, providing that both are accurate and enclosing your signatures. To register your interest at AnnualCreditReport.com’s website, visit http://www.annualcreditreport.com for more information and fill out a signed form online. You will receive instant access to your credit report.
You can request both a free report and a free report monthly, including late, late filers, collections, available credit on your report, collection status, current balances, and outstanding balances on your report.
When will I receive my credit report?
A free credit report from AnnualCreditReport.com is helpful to consumers trying to repair credit problems. If you have been wrong about the amount of credit you have, you may find yourself out of credit, but if you filled up some specific errors on your credit report that you are aware of will improve your score and reduce your interest rates.
Where can I get my report?
Use the Internet for complete information about your credit report.
Once you have requested the free report, you will need to fill it up each time you visit AnnualCreditReport.com for more information or check your credit report against other information on the provider of your credit report.