FREE
Copy of Your Credit Report
Five Reasons to Check
Your Credit Report Regularly
In much the same way that
a resume displays your work experience to a prospective employer, a credit
report provides
prospective creditors (and in some cases employers and insurers too) with a
detailed picture of your credit history. And like a resume, your credit report
can influence whether you will receive what you are applying for.
Ideally, your credit report is
an accurate, up-to-date reflection of your credit history. However, since we
don't live in an ideal world, there are many reasons that your credit report
could contain inaccuracies that might prevent you from receiving the credit you
deserve. The good news is you can take action to keep your report accurate. Here
are the top five reasons why you should make a practice of regularly reviewing
your credit report:
Inaccuracies & Mixed Credit
Files
Many inaccuracies on a credit
report can be the result of simple human error, and are therefore are not
difficult to dispute. Of course, if you don't order your credit report, you
might never know about it. Whether the inaccuracies relate to payments not
credited, late payments, or data mixed in from the credit file of someone else
with a name similar to yours, you will want to contact the credit bureau to
dispute inaccurate information promptly. If you would like to get a free copy of
your credit report right now, 
click
here.
Tracking Payments
One of the most important
elements of credit is a demonstrated history of on time payments. Once you send
the check though, anything can happen--a delay in the payment being received can
kick you over to a 30-day delinquency. If you call your creditor and explain the
situation, they might adjust the information. Of course, if you don't read your
credit report, you won't necessarily know which payments are being received and
reported properly. If you would like to get a free copy of your credit report
right now, click
here.
Identity Theft
This issue alone is reason to
order your credit report immediately. Identity theft is an insidious crime,
involving a thief who assumes your name to open new accounts, divert your card
statements to another address, and run up all sorts of bad debt without you ever
knowing about it until collectors come calling. Over time, identity theft could
jeopardize your ability to obtain further credit. The best way to catch a thief
who is using your name is by getting a copy of your credit report, which will
show you if there are accounts listed you know you haven't opened. For example,
if a thief has intercepted a pre-approved credit card offer in your name and
sent it in with a change of address, your credit report will include the
account. If you would like to get a free copy of your credit report right now, click
here.
Inquiries
If you're shopping around for a
loan or more credit, you should know that when creditors check your credit, it
places an inquiry on your credit report. Inquiries can add up, which is often
interpreted as a negative by creditors. For this reason, too many inquiries can
actually make getting credit more difficult. Moreover, if you didn't authorize
someone to look at your credit report and they did, they may have broken the
law. If you would like to see who's been looking at your credit, click
here to get a free copy of your credit report right now.
Credit Fraud--Unauthorized Charges
Credit fraud involves the theft
of your credit card or account number to make unauthorized charges to your
account. Though consumers are protected financially from this abuse, other
creditors may take note of all this activity and decide to raise your interest
rates or refuse to grant you a loan. Ordering your credit report will help you
catch new activity on accounts that you haven't been using, or may have closed.
If you would like to get a free copy of your credit report right now, click
here.
When it comes to managing your
credit worthiness, your credit report is your best resource. Ordering your
credit report gives you the opportunity to manage your credit wisely today,
while planning your credit strategy for achieving future goals--a credit-savvy
move every consumer should make! click
here to get your credit report right now, for free!
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