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Get Your Free Annual Credit Report

A heads up to order your free annual credit report. Nearly 1/3rd of credit reports have inaccurate information and that information directly affects your buying power.

In order to fix your credit or credit score, you must first understand what your credit report looks like. According to the Fair Credit Reporting Act, you can get a copy of your annual credit report from each of the three major credit reporting agencies (Equifax, Experian, and TransUnion).  My recommendation is to go to annualcreditreport.com and get your free annual credit report if you have not already done so this year. Otherwise you can give them a call at 877-322-8228. In this internet age you can also get your free annual credit report online.

Once you have all three of your credit reports, sit down and review them for accuracy.  Each of these credit reports will have their own individualized information. Meaning, you may find that a certain creditor shows up on one of your credit reports and not on another. You may also find that if you had moved quite a bit, again this information may be on one credit report but not another. Based upon personal experience, I can tell you that you might find inaccuracies relating to duplicate credit items and medical or utility bills that may not belong to you. We will take care of that at a later point. For now, realize that according to law you have a right to the free annual credit report from the big 3 and you have a right to dispute any inaccuracies in those credit reports.

About the Author

Paul Tomlinson is a real estate investor who keeps on
top of his credit by following the guidelines in…

http://www.fix-your-credit-score.com