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Free Annual Credit Report - Three reasons to Get One
Managing your credit report is a very important part of making money in your life. Some it's according to handling your money and credit correctly. The other part though is when it gets reported too.
Everyone in the US has a credit history. For some people it is blank. They don't possess a record yet of how they handle history. For many people it might fill a sizable amount of encyclopedias. The question becomes is your credit history accurate?
The federal government requires the major credit bureaus use a copy of your credit rating free of charge once a year. That is why you will often hear people discuss the free annual credit history.
It isn't the same as your credit score though. It is important to realize that your credit rating continues to be tough to determine as each company calculates them differently.
The three major credit bureaus are Experian, Equifax and Transunion. Think about them as giant record keepers. They get reports from credit card issuers, automotive loans, mortgage loans, along with other areas. Its not all company reports to any or all three. Many will only report your data to 1 or a couple of them.
There are three main reasons to obtain a copy of the free annual credit history. We will discuss each of them in greater detail below.
Inaccuracies Identify Theft Forgotten Lines of credit
Inaccuracies can riddle your credit report. The systems involved with collecting this information is not perfect. It is very possible that information is reported towards the company incorrectly. For example your charge card company can report that you had a card go into collections. It may happen from a worker mistyping information right into a software program.
It is also entirely possible that another person's credit is being sent beneath your identity. I've got a friend whose name is equivalent to her sister in law. They share first and last names but have different middle names. When she went to obtain a loan on a home, they were very confused by her credit history. They lived in various states, had different jobs, and various financial histories. The loan bureaus had mixed them up in places.
It took a while to get everything corrected so she could purchase her home. Obtaining a copy will allow you to find these errors quickly and get them corrected.
Identify Theft is really a growing problem in the world. Getting a copy of your credit history can allow you to identify out if a person has stolen your personal information. The loan bureaus can have any credit that's opened in your name. By checking it regularly you are able to prevent this. You may also request they put a freeze in your credit. This prevents anyone from opening credit in your name. Just be sure you take it off when you are getting ready to apply for credit.
Forgotten lines of credit may not appear to be a big deal however they can be. It's not smart to have lines of credit floating around. I found a couple of store credit cards on my report that I'd completely forgotten about. I'd gotten them after i was much younger and establishing my credit.
I kept the loan lines but requested that they be frozen. I didn't wish to take them off because they would impact my credit score. I additionally didn't want to leave them scattered about just in case someone got the information and started with them.
