Your credit report includes information that affect every aspect of your life. It contain the information like where you live, how you make payment of your bills, whether you have any criminal record or sued or have ever filed for bankruptcy.
Now this report is sold to employers, creditors, insurers and other financial service providers who use this report to evaluate your application for insurance, employment, credit, or buying/renting a home.
If your credit report is good, you don't have to worry. Just let the things go on as its going. But if it's mediocre or low, they you might have to pay for it. You will be charged high interest in case of getting a mortgage or other loan. So it's important to get a free credit report and check your credit, so that you work on improving it if it's low.
Now this report is sold to employers, creditors, insurers and other financial service providers who use this report to evaluate your application for insurance, employment, credit, or buying/renting a home.
If your credit report is good, you don't have to worry. Just let the things go on as its going. But if it's mediocre or low, they you might have to pay for it. You will be charged high interest in case of getting a mortgage or other loan. So it's important to get a free credit report and check your credit, so that you work on improving it if it's low.
As per Fair Credit Reporting Act (FCRA), the three nationwide consumers reporting companies — Equifax, Experian, and TransUnion, should provide a free copy of your credit report once in a year, at your request.
How to get your free report?
The three nationwide consumer reporting companies — Equifax, Experian, and TransUnion, have their contact information on their websites. You can get mailing address and a toll free number through which you can order your free credit report.
What information you need to provide to get your free credit report?
You need to provide you name, address, date of birth and social security number. If you've shifted in last two year, you may also required to provide your previous address.
The three nationwide consumer reporting companies — Equifax, Experian, and TransUnion, have their contact information on their websites. You can get mailing address and a toll free number through which you can order your free credit report.
What information you need to provide to get your free credit report?
You need to provide you name, address, date of birth and social security number. If you've shifted in last two year, you may also required to provide your previous address.
Tidak ada komentar:
Posting Komentar