StephiStovall623
出典: くみこみックス
Free Annual Credit Report - 3 Reasons to obtain One
Managing your credit history is a very important step in making money in your lifetime. Some it is based on your money and credit correctly. Another part though is when it gets reported as well.
Every person in the US includes a credit history. For many people it's blank. They don't possess a record yet of methods they handle history. For some people it might fill a large volume of encyclopedias. The question becomes is the credit history accurate?
The US government necessitates the major credit agencies use a copy of the credit history free of charge annually. That is why you will often hear people talk about the free annual credit report.
It's not the same as your credit score though. It is important to understand that your credit rating is still tough to determine as each company calculates them differently.
The 3 major credit bureaus are Experian, Equifax and Transunion. Think about them as giant record keepers. They get reports from credit card companies, automotive loans, mortgage loans, and other areas. Its not all company reports to all three. Some will only report your data to 1 or two of them.
There are three main reasons to obtain a copy of the free annual credit report. We will discuss each of them in greater detail below.
Inaccuracies Identify Theft Forgotten Credit Lines
Inaccuracies can riddle your credit score. The systems involved in collecting this information is not perfect. It's very possible that information is reported to the company incorrectly. For example your charge card company can report that you'd a card be placed into collections. It can happen from a worker mistyping information right into a computer program.
It's also possible that someone else's credit has been sent beneath your identity. I have a friend whose name is the same as her sister in law. They share first and last names but have different middle names. When she visited apply for a loan on the home, they were very confused by her credit history. They lived in different states, had different jobs, and different financial histories. The credit bureaus had mixed them up in places.
It took a while to get everything corrected so she could purchase her home. Getting a copy will allow you to find these errors quickly and obtain them corrected.
Identify Theft is a growing issue in the world. Getting a copy of the credit history can allow you to find out if a person has stolen your individual information. The loan bureaus will show any credit that is opened in your name. By checking it on a regular basis you can prevent this. You can also request they put a freeze in your credit. Jetski from anyone from opening credit inside your name. Just remember to remove it when you get ready to apply for credit.
Forgotten lines of credit may not sound like a big deal however they can be. It is not a good idea to have credit lines going swimming. I found a few store charge cards on my report that I'd completely ignored. I'd gotten them after i was much younger and establishing my credit.
I kept the loan lines but requested they be frozen. I did not wish to remove them as they would impact my credit rating. I additionally didn't want to leave them scattered about just in case someone got the data and started with them.
