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Where can I find out about my credit? |
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Free Credit Reports |
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If you've ever applied for a credit card, personal loan, or insurance, there's a credit report about you. It is full of information on where you live, how you pay your bills, and whether you've been sued, or filed for bankruptcy. Consumer credit reporting agencies sell the information in your credit report to creditors, insurers, employers, and other businesses with a legitimate need for it. They use the information to evaluate your application for loans, credit cards, insurance, employment, and real estate.
What is on your credit? Have you already become a victim of identity
theft? Get a free copy of you credit report and find out how to contact
the three major credit bureaus. Find out how to fix credit report
problems. Inaccuracies in a credit report may be the result of simple
human error. You may have a lower credit score than you deserve because
of a simple mistake. Whether the inaccuracies relate to payments not
credited, late payments, data mixed in from the credit file of someone
else, fraud or identity theft, dispute inaccurate information promptly.
Experian Free Credit Report A credit report is a report complied by an agency that collects credit histories, then distributes that data to credit grantors and the public. The credit reporting agency collects data from lenders, utility companies, collection agencies, landlords and court houses. When you apply for credit, a job, insurance or an apartment the credit grantor will review your credit report before approving or declining your application. Your credit report helps a person that does not know you decide if you are credit worthy. more
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Three Major Credit Bureaus |
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Toll free phone numbers, mailing address, website and contact information. |
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Allen, TX 75013 (888) EXPERIAN (888) 397-3742 Fax: (800) 301-7196 Fullerton, CA 92634 (800) 680-7289
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My credit report and score High or low credit scores can determine if you pay high or low interest on credit or financing like home loans, car loans, credit cards. If you have a low credit score,
you may not qualify for a low enough payment to afford the home of your
dreams. A low credit score may affect ability to rent an apartment in a particular location. The amount you can borrow and the interest rate you are charged are usually determined by your credit score. What is credit? Credit allows you to make a purchase without ready cash. You receive credit by promising to pay in the future for something you receive in the present. Credit usually costs something and must be paid back. |
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© AboutMyCredit.com 2007 |
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Updated 03/02/08 |
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free credit report |
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