Free Credit Report Annual
2010
Credit Report And Scores – Your Right to Obtain a Free Credit Report Annually
One of the most important aspects of overall financial health is having a good credit history, report, and score.
Since this factor is used by all lenders in their application approval process, ensuring that you have a good understanding of what is on your credit report is very important.
Aurora Lillo Editor of the “Best Credit Reporting Services” website — http://www.CreditReportsAndScores.biz — pointed out;
“…Since information is put into your credit report without your knowledge or approval, pulling a copy of your report should be completed very frequently. Luckily, all three of the major bureaus that consolidates and reports your financial information, is required to give you a free copy of their records once per year…”
To obtain a copy of the records that they keep, you will need to contact the three bureaus individually. Luckily, each one of bureaus keeps most of your information readily available online. To gain access to the information, you will need to input a good amount of personal information to confirm your identity. Be careful to only select the free information option as the bureaus will constantly attempt to sell you on their services which include monitoring services, access to your score, and other identity theft prevention services.
When reviewing the information provided to you by the bureau, it is most important to review it for accuracy. First, you will want to ensure that all of the accounts listed in the credit history section are legitimate. If you notice accounts that are not accurate, be sure to contact the account immediately. All contact information can be easily found in the information, and you will need to file a claim with them to have either incorrect or fraudulent information removed. You should also verify the payment history for each one of your accounts. If there is negative information regarding your payment history that is inaccurate, then you should contact the account immediately to have it removed.
“…As mentioned earlier, there are three major bureaus that consolidate and send out your financial information. Since each is required to give you a free copy of your financial history each year, it would be wise to rotate which bureau you request a copy from. With this strategy, you could obtain updated information from one of the bureaus every four months. If you are planning on making a major purchase that would require you to take out a loan, it would be a good idea to request your credit score a few months prior to taking out the loan…” added A. Lillo.
Further information about how to get a detailed credit report including scores and as often as you want by visiting; http://www.CreditReportsAndScores.biz
About the Author
Aurora Lillo runs his corporate website at http://www.OpsRegs.com where you can see all his articles and press releases.
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