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The official government website is located at www.AnnualCreditReport.com. You will be able to get a free copy of your credit report but it will not include your credit scores.


Do You Know What Details are Compiled About You on Your Credit Report.

You might be surprised at just how much information is documented with regards to you and your credit habits and you might want to take advantage of a free credit check online.

Given that we are such a global community these days, not many lenders know the individual personally that they are giving credit too. This leads to why they depend so heavily on a person’s credit history collected and reported by the 3 main credit bureaus (Equifax, Experian and TransUnion).

Even though credit reporting is a necessary evil, your very first concern should be to know if everything that is being documented in regards to you is accurate. As with so many other statistics this data is compiled by humans and humans make typing errors.

Thus, it is a wise decision to keep an eye on your credit history just for correctness purposes. In order to make this happen you would need to get a copy of your credit report and examine it. Everyone is entitled to obtain a free of charge copy of their credit report one time every 12 months.

However, many people once they get their credit report don’t understand how to read it. Not only will you want to search for just general reporting mistakes, you'll also want to search for any kind of common spending and paying behavior you have which can be affecting your credit scores in a unfavorable manner.

First you will need to make certain that any personal data, such as name, address and employer is accurate. This kind of information may be wrong if you have a common name or happen to be a Jr. or Sr. or for those who have recently moved or changed employers.

Then you will want to look at all the credit items listed to be sure that they do indeed belong to you. If you find that an item isn't yours then you will want to send what's called a “dispute letter” to all three of the credit reporting agencies to get the item taken off your credit report. A dispute letter is simply a letter from you identifying the item that you would like corrected along with a short statement that you'd like to have this item removed from your credit history because it doesn't belong to you. The letter does not have to be lengthy or complicated. Actually, the shorter the better, just make sure that you just clearly state what you need corrected.

Credit History Report

A couple of other items which you might look for on your credit report are:

• Bankruptcies - It isn't uncommon to discover that a bankruptcy that has been discharged does not reflect as so on the credit report. This information will be found in the public record information part of your credit report.

• Collection items that are actually paid out might also not show correctly as paid.

If you don’t really have any significant negative items on your credit report you may still need to look at your spending and payment behavior.

If you fairly consistently make your installments late, then this will certainly negatively affect your credit scores plus it would really be to your advantage credit wise to alter this habit. A person's late payment information will show in your credit report below some headings of 30, 60 and 90. This translates into 30, 60 and 90 days late.

Another credit practice that folks have and don’t realize the impact to their credit ratings is the balance they keep on their credit cards. If you're maxing out your credit cards then this is also unfavorable for your credit scores. To stay in good graces of the credit score algorithms you should keep your credit balance at approximately 30 percent of your available credit balance.

Get additional information with regards to Free Credit Checks and obtaining a copy of your credit report before it takes a back seat to your other daily activities. Your credit rating is very important to your financial future.

 

 

 

 

 

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