Yearly Credit Report
January 29th, 2009, Written By: admin
There is a quick way to get your yearly credit report online, and once you do it might be wise to request all 3 credit reports. While most of the information will be the same, there may be some very big differences that can greatly affect your score in a bad way.
Your creditors, lenders and people you have done business with in the past may or may not have reported that information to the three credit reporting agencies. In some cases they may have only sent that information to one or two of the bureaus, but not all three.
There is nothing in the consumer credit report law that states that a company must provide the same information to all three agencies. They only have to report accurate information.
If you have not reviewed your credit report and score in over 6 months, it is recommended by financial experts to request all 3 when you order your yearly credit report. There really is no reason not to either.
Once you have your reports, review them closely for errors. It it not uncommon that the wrong information is placed on the wrong report. Imagine being surprised by the fact that you have horrible credit because of a bankruptcy listing on your file. These things happen, but the good news is that it is not very difficult to have those items removed. But until you do, your credit score will remain the same and lenders will probably not accept and explanation.
When you download your yearly credit report, also check for any accounts you have that are in good standing that may not be listed on your file. These things help your score, and you want to be sure all of your good standing accounts are listed. If they are not, call those creditors right away and ask them to submit your information and credit history to all 3 bureau. In most cases they will be happy to do so.
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