You should . monitor your credit score each year to learn more about what helps and hurts you, and review reports to be sure that there is nothing inaccurate. Some reasons why you should monitor your credit each year:
- Find problems that hinder your high score and try to improve
- Identify errors and get them corrected
- Watch for potential identity theft signs
- someone other information may be wrongly attributed to you
- you might find accounts that are not yours
by law, you can get a free copy of your credit report each year. This includes a copy of each of the main three evaluation companies: TransUnion, Equifax and Experian. But you must be careful about where you get your free credit reports from. Here is the authoritative source:
Annual Credit Report at 1-877-322-8228
AnnualCreditReport.com
You will hear a lot promotions for "free credit reports" - but consumers beware! Many of them free reports, but have some type of decision - see this short video to learn more
Que. if you find problems in your credit report
According consumer.gov, you can take these steps to correct errors or problems :?
Write a letter. Tell the credit information company you have questions about the information in your report.
- Explain that the information is wrong and why you believe.
- Say you want that information be corrected or removed from your report.
- Send a copy of your credit report with junk surrounded.
- Send copies of other documents that will help you explain your opinion.
- Send this information Certified Mail. Ask the post office for a receipt. Reception is evidence that the credit reporting company your letter.
- The credit reporting company must look into your complaint and respond in writing.
The FTC offers more information
- Your credit history
- Understanding Credit Scores
0 Komentar