How Often Should I Check My Credit Report?

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You might need to think about checking what’s on your credit report at least one time a year. That is correct at least once a year get a copy of all three of your credit reports. You will need to know what each credit agent (TransUnion, Experian and Equifax) have mentioned on your reports. You do not want any surprises when you sign up for credit or seek new work. So , as a rule it’s a good idea to get copies of your reports once or more a year! You will also be capable of finding out whether or not somebody has ordered credit in your name without your authorization. Here are some tips and info that may aid you in your quest to get your credit reports:

1) How should I go about contacting the credit history bureaus? You contact the bureaus either in writing or thru the web with the following information: TransUnion, P.O. Box 2000, Chester, PA. 19022,800-888-4213,www.transunion.com; Equifax, P.O. Box 740256, Atlanta, GA. 30374, 877-784-2528,www.equifax.com; Experian, P.O. Box 2104, Allen, TX. 75013, 888-397-3742,www.experian.com.

2) Can I get a free copy of my credit history? Yes. You can receive a free report on a yearly basis at no cost at annualcreditreport.com. You may secure free copies of your credit reports directly from each credit agent.

3) Do I need to get a copy of my FICO score? Yes, this would be a good idea to discover where you stand in connection with your credit report. As you may be aware, your credit score is utilized in figuring out whether or not you may qualify for credit you have requested and the IR you'll receive. The higher your credit score the better probabilities you have of getting a lower interest rate and approval of your credit.

4) How am I able to improve my credit and credit report? By paying your debts on time and paying your credit card outstanding balance if at all practical. Ensure you stay current with paying your debts. This can assist in improving your credit overall.

5) If I see a gaffe on my credit score, how should I go about fixing the problem? Contact the credit agency immediately concerning the gaffe on your report in writing and ask that the error be corrected. You may want to also contact the creditor without delay that is reporting the negative information noted on your report and get them to correct the mistake. You may also need the creditor to supply you with a written confirmation of them correcting the error to your credit history. The credit agent has 30 days to retort to your request about erroneous information noted on your credit history.

6) Should I consider hiring a credit fixing company to mend my credit? No. This isn't a great idea! The only one able to fix your credit problem is you. Some credit repair agencies charge several hundred greenbacks in fees saying they can mend your credit. Some of these agencies even offer you a new Social Security ID to establish new credit. This is completely illegal, you do not want to be a party to this scam at all! It’s best that you fix your own credit the proper way by doing the following: contact the credit firms about any gaffes or discrepancies you have on your credit history; contact the creditor immediately about gaffes listed by them on your report; pay your debts on time; and, try to repay your credit balances as soon as your are able to.

Ordering a copy of your credit reports is a good idea! The earlier you start this yearly practice of getting your credit history the more well off you will be. This will give you a better reassurance and will hopefully eliminate surprises when you go to apply for work and future credit for the purchase of a home, auto, or whatever else you would like to buy.

Want to know more about how to fix your credit? Visit our site to learn more.

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Topics: Credit and Debit | Comments Off

Tags: Credit, Credit and Debit, credit and employment, credit bureaus, credit report, credit scoring

Article Citation
MLA Style Citation:
Ayer, Danny "How Often Should I Check My Credit Report?." How Often Should I Check My Credit Report?. 1 Feb. 2012. uberarticles.com. 25 May 2012 <http://uberarticles.com/finance/credit-and-debit/how-often-should-i-check-my-credit-report/>.

APA Style Citation:
Ayer, D (2012, February 1). How Often Should I Check My Credit Report?. Retrieved May 25, 2012, from http://uberarticles.com/finance/credit-and-debit/how-often-should-i-check-my-credit-report/

Chicago Style Citation:
Ayer, Danny "How Often Should I Check My Credit Report?" uberarticles.com. http://uberarticles.com/finance/credit-and-debit/how-often-should-i-check-my-credit-report/

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