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Your Credit Report (the Boring Part)
Your online credit report is a collection of files and records
pertaining to your credit history. It is often referenced for
hiring, renting, mortgages, loans, background checks and many
other situations which may require an involvement of a larger
sum of your income or a need for your personal services. Your
online credit
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Most people think that their credit report is some great secret… hidden from them though it can have such a major effect in their lives. This is far from the truth, however, and can be a dangerous way of thinking. People who don't check their credit report have no way of knowing whether or
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Free Personal Credit Report Online- What To Do With Your Report Once You Have It
Chances are you have seen ads online for free personal credit reports. You may have even clicked on one and received a copy of your credit history. Now that you have all of this information, do you know what to do with it?
Check for inaccuracies
It is very possible that some of the information contained on your credit report isn't accurate. It can be something as small as an address you no longer live at or something as big as a debt you paid off being reported as outstanding. If you find an inaccuracy, contact the credit bureau and ask them to correct the error.
Check for unusual activity
Does your credit report contain accounts that you never opened. Are there outstanding balances due to companies you have never heard of? If so, someone may have opened accounts in your name and your credit report is paying the price. If your credit report contains any information that leads you to believe you are a victim of identity theft, contact the credit bureau and your local police department, who may put you in touch with the FBI.
Check to see who has been checking you out
Your credit report contains a list of the companies and individuals that have requested and received a copy. By law, there are certain requirements that must be met for a third party to view your credit report. Most requesters are required to have obtained your permission and signature, although under certain circumstances, this isn't necessary. Under the Fair Credit Reporting Act, "Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both." If someone you know shouldn't have had access to your credit report, is listed as having obtained it, contact the credit reporting agency right away.
Your credit report is an important tool lenders use to help determine whether or not to give you credit. A free online credit report is an important tool that you can use to make sure your credit report is as clean as it should be.
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Visit http://www.abcloanguide.com/freecreditreport.shtml for a list of credit report companies online. View our recommended sources for a free personal credit report.
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