Free annual credit report is one of the best ways to ensure that your credit standing remains up to date. One can get this free from the Federal Trade Commission website. This is an interactive site that provides basic information about the individual such as his birth date, social security number, address, phone number and his current employer. It is important to note that free annual credit report does not include your financial history that needs to be availed of separately.
A good way of assessing your credit score is to check out your credit history and find out the various accounts you have with varying interest rates such as credit cards and loans. You can also ask for your latest credit reports from the three agencies mentioned above. On receiving the free credit report you can immediately go through it and find out how accurate they are, especially the score. This will give you an idea about what your next move should be.
If your score is below the ideal level, you need to take remedial action quickly. Your income and expenditure history should be brought down and monitored so as to bring the same under control. The first thing you need to do is to get hold of all your latest credit reports which you can obtain for free from any of the three national agencies mentioned above. After getting a free credit report in hand, you need to review it with a fine-tooth comb. Go through every single account one by one to find out if there are any inaccuracies in it. Once you have found any errors, write them down along with the appropriate reference number and submit it along with the supporting document to the agency concerned.
Within a few days you will receive another free credit report which will throw more light on the same issue. The next step is to contact the reporting bureau that has issued the error with a request to issue a corrected copy of the report. It is mandatory for each individual to do this at least once in six months. The three major credit bureaus are Experian, Equifax and TransUnion and the procedure is the same in all cases.
If you find inaccuracies after accessing the free credit report, you need not panic. There is nothing sinister about it. The important thing is that you identify the problem and take remedial action as soon as possible.
If there is any personal information that does not match your present records, you will definitely need to verify it. This can be done online by going to the respective national agencies and verifying your details. You will need to provide your social security number, date of birth and your address. This ensures that you get additional free credit reports annually from the nationwide credit bureaus. This can be done by going to the official website and following the simple procedures for submission.
How to Get Your Annual Credit Report from Experian – free credit report | free credit report
How to get a free, weekly credit report for the next 7 months – CNET – free credit report | free credit report
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