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Summary: Free Credit Report – The 3 Advantages of Viewing Personal Credit Reports
Mike Singh asked: A few years ago, getting a free credit report was virtually unheard of. If there were any such options, there was a lot of fine print and hidden fees involved. Over the recent past, the government stepped in and consumers are passed a law which gave consumers the right to request a [...]
Free Credit Report – The 3 Advantages of Viewing Personal Credit Reports
div stylefloatleft padding 12pxa hrefwpcontentuploads201011personalcreditreport14.jpgimg srcwpcontentuploads201011personalcreditreport14.jpg title alt adivdivemstrongMike Singhastrong asked embrbrbrbrbrA few years ago, getting a free credit report was virtually unheard of. If there were any such options, there was a lot of fine print and hidden fees involved. Over the recent past, the government stepped in and consumers are passed a law which gave consumers the right to request a free credit report from all three bureaus once in a 12 month timeframe. Besides this one annual checkin, we would recommend you review your credit report quarterly if you dont intend to make any major purchases such as a house or a car in the next 6 months. Why is constant monitoring this important Well give you five reasonsbrbr1 strongMake the unknown knownbrbrstrongDid you cancel that magazine subscription Did you take care of the utility bill before you moved Such small details arent that small in the grand scheme things when it comes to your credit. If these bills were substantial there is a chance that your creditor reported the delinquency to 1 or all 3 bureaus. Sometimes they settle with a collection agency and someone from the agency will be banging down your door so to speak. So, what do you do if you notice a collection activity or other delinquencies on your account You call up the agency associated and get it fixed right away. You settle or pay it as fast as possible. The effect these blotches will have on your credit will reduce with time. But, without careful monitoring you mightve never caught it in the first place.brbr2 strongEmployment opportunitiesbrbrstrongIn todays tight job market, employers are getting to pick and choose who they hire on the basis of several criteria. One of these is your credit score. Is it fair The answer is it doesnt matter. The employers are doing it and its your job to present the best possible picture you can of yourself not just in the interview but also in your financial report card.brbr3 strongError resolutionstrongbrbrSometimes, you will see stuff on your report that doesnt belong there. Whether its an item that doesnt belong to you or something that you already took care of, you need to clear this up again. Call the creditor in question and try to figure out the source of the item. Keep written records of all conversations you have. Also, request a confirmation via email or snail mail of all communication.brbra hrefAlvinadiv
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