Credit Report
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Get the information you need on your Credit Reports.
Here are the top 5 reasons why you should get your credit report:
Make sure there are no errors in your credit report
Many credit reports contain inacuracies. This report influences lenders decisions about whether or not to approve your personal loan, mortgage application, or credit card account. Usually it is simple human error, but it is a good idea for you to review your report at least once per year and report inacuracies immediately.
Protect yourself against identity theft
Did someone open up an account in your name? If you check your credit report frequently you will know if this happens. Otherwise it could take months to find out.
Know your credit history
Was that loan you paid off four years ago reported closed and paid by all three major credit reporting bureaus? How many open credit card accounts do you still have? Is your work and residence history up to date? All of this factors in to lender decisions and even job applications so it is best for you to know your credit history in advance.
Get your credit report before you apply for a loan
See what the lender will see in advance. Make sure that the information is accurate and up to date before you apply. Know what you may need to do to catch up on late payments or pay down accounts.
Applying for a refinance
Make sure that there will be no nasty surprises for your lender. Remove the risk of being declined on an application. You can check your report all you want without any negative effects on your credit.You are even entitled to one free credit report from the 3 major bureaus once per year
A Credit report is there when you need it most.
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