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Your Credit Report Is The Key To Taking Control Of Your Finances
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What is a credit report?
Compiled by credit reference agencies, credit reports collect information from your current and previous financial providers about the types of credit you’ve had, how much, and your repayments to create a personalized credit report.
When you apply for credit, potential lenders will want to find out whether you’ll be able to repay the debt by running a credit history check.
In addition to the information on your application, one tool they will use to decide whether or not you are a reliable borrower is your credit report from credit agencies.
The credit bureaus sell the compiled reports to interested parties, such as creditors, insurance companies, employers, and landlords. Does that mean that a nosy neighbor or relative can pull your credit report if he or she wants to? No. The only people that can see your credit report are you and those that have a legitimate business use for the information. If your employer wants to see your credit report, they must get written permission from you first. Keep in mind that the credit bureaus only supply reports – it is not their role to approve or deny you for credit or other opportunities.
When is the last time you looked at your credit reports? Financial experts recommend that you check your three credit reports at least annually. By reviewing your reports, you can catch errors and fraudulent activity, as well as see what can be done to improve your credit score. You can obtain a free copy of each of your credit reports once a year through Annual Credit Report Request Service. (Contact information is in Chapter 5). If you request the reports online, you should be able to view them immediately. You can also order your reports directly from the credit bureaus for a fee.
Check your credit rating
Whether you get a free credit check online or pay for it, different credit reporting agencies will have different methods of checking your credit score. A Call Credit check will different than an Experian credit report.
For example, an Experian credit report will include information from financial providers that a Call Credit check may not have, and vice versa.
It’s important to check the differences by getting a credit check free is possible before paying for a credit rating check and getting your online credit report.
A credit history check can also reduce your vulnerability to online fraud and improve your security against identity theft.
By using an online credit check company, such as Experian, you can find out where your pertinent details are mentioned and take action to delete them if they make you vulnerable.
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