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Check your credit report before it's too late!

Experts recommend two credit reviews per year!

Review your credit report and credit score now!

Link to dispute inaccuracies online!

 GoFreeCredit 3-n-1

Banks Know Your Credit Score

You Should Too!
     
     
     
Credit Reports

Credit reports are complied by an agency that collects credit histories, then distributes that data to credit grantors and the public. The credit reporting agency collects data from lenders, utility companies, collection agencies, landlords and court houses. When you apply for credit, a job, insurance or an apartment the credit grantor will review your credit report before approving or declining your application. Your credit report helps a person that does not know you decide if you are credit worthy.

Declined for credit?

If you have been turned down for credit in the past and don't understand the reason, it may be time to review your credit report. There may be listings on your credit report that are not yours, that are paid and show delinquent, or an account you thought you paid and hadn't. A US government report suggests you check your credit report annually, credit experts profess monthly credit report reviews!

Inaccuracies in a credit report Inaccuracies in a credit report may be the result of simple human error. You could have a lower credit score than you deserve because of simple error. Whether the inaccuracies relate to payments not credited, late payments, data mixed in from the credit file of someone else, fraud or identity theft, dispute inaccurate information promptly

Because the information in your credit report is used to evaluate your applications for credit, insurance, employment, and renting a home, you should be sure the information is accurate and up-to-date.  In addition, monitoring your credit is one of the best ways to spot identity theft.  Check your credit report at least once a year to correct errors and detect unauthorized activity. http://www.ftc.gov/bcp/edu/microsites/freereports/index.shtml

Experian, Equifax, Trans Union toll free phone numbers, mailing addresses, websites and contact information.
  • Equifax
    P.O. Box 740250
    Atlanta, GA 30374
    (800) 525-6285

  • Experian
    P.O. Box 1017
    Allen, TX 75013
    (888) EXPERIAN
    (888) 397-3742
    Fax: (800) 301-7196

     

  • Trans Union
    P.O. Box 6790
    Fullerton, CA 92634
    (800) 680-7289

 

Tip - Increase Credit Score - After a bankruptcy, verify that discharged debt indicates a zero balance on your credit report. Debt ratio can effect credit score!
Loans
 
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You see an advertisement for a Cash Advance or Payday Loan and your heart sinks a little bit. You need the loan, but you know they’ll want you to pay it back within two pay periods-14 days-and how are you ever going to swing that? I mean, I guess you could ask for an extension, but you also know what that means: Additional fees. So, it seems impossible! How are you ever supposed to get a handle on your funds if the Cash Advance and Payday Loan Lenders only give you 14 days?

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2) Getting Approved

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Home Loans
 
 
Credit Cards
Credit cards are not the same!  Rates, fees and rewards vary. Compare a huge assortment of credit cards offers from Major Banks! LowRateCreditCreditCardsOnline.com
 

© AboutMyCredit.com 2007
Updated 04/23/11

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