credit report how to get
The answer is yes. You should definitely get a copy of your credit report. If you ask me why, we'll talk about some Important points about your credit report.
What in your credit report?
Your credit report contains important information about your accounts and finances. In your credit report, you can find your way professional, your salary history, your credit in the past and the present with all your creditors and other corporate information.
Also included in your credit report is your full name, your Social Security number, date of birth, number of driving license, your past and current address, phone number and other personal information. All transactions you have with loan companies, companies credit cards, insurance companies and other financial institutions are all appear on your credit report.
How you owe a creditor is treated in detail. Also, if you pay your bills on time or not can be traced by looking at your credit report. All this information are included on your credit report.
Who checked your credit report?
You may now have an idea of why it is important for you to obtain a copy of your personal credit report. Landlord, potential employers, companies insurance, government agencies, loan companies, corporate credit cards – all these organizations to check on your file credit for knowing your history and reputation.
One false information or incorrect operation on your credit report may affect your creditworthiness. You can get rejected by potential employers just because your credit report seems bad. Creditors can not refuse applications on your account you have on your account bad credit report. Thus, it is your responsibility to check and ensure that no false or derogatory records that may harm your reputation.
Review Your credit
You have the right to know if all the information contained in your credit report is true and accurate. As a consumer, you have the right to challenge information that you seem false, erroneous or fraudulent.
The Federal Fair Credit Reporting Act protects consumers against this fraudulent accounts or inaccuracy contained in their credit report. In fact, if a credit bureau or a credit bureau refuses to give you the appropriate service, you need, you may also notify the Federal Trade Commission.
Each year, all consumers are allowed to obtain a copy of their report from three credit bureaus for free. Thus, after careful consideration on your credit report, you may notify the credit bureau if you are all questionable files on your credit report. Here are the phone numbers of three credit agencies.
Equifax Options PO Box 740123 Atlanta, GA 30374-0123 www.equifax.com
Experian Consumer Opt Out PO Box 919 Allen, TX 75013 www.experian.com
Trans Union Name Removal Option PO Box 97328 Jackson, MS 39288-7328 www.transunion.com
For further discussion on the credit report and your rights as a consumer, you may visit the FTC at www.ftc.gov.
About the Author:
Allison May is a credit consultant and a writer for Credit Creators. The resource provides consumers with valuable advice and information on credit cards for bad credit,credit cards for good credit and other credit-related issues. Its main objective is to help people build good credit. Copyright © 2008
Article Source: ArticlesBase.com – Should You Obtain a Copy of Your Credit Report?
