Why is getting a credit report important?
Ordering a credit report helps you determine if all of your credit information is accurate. If a mistake is made on your report, it could affect your credit score in a negative way. Credit scores determine your level of risk.DisputesA credit report will help determine if any of the information reported is inaccurate or incomplete. You can dispute items that should not be on your credit report by sending a letter to the credit reporting agency that reported the information.Credit Reporting AgenciesThere are three credit reporting agencies: Transunion, Equifax and Experian. Each credit reporting agency may not have the same information. Always get a copy of each credit report.Annual Credit ReportTo order all three reports you can go to AnnualCreditReport.com. You can get a free copy of your credit reports once a year. Reports can be ordered online, by phone or through the mail.SignificanceErroneous bad credit information, reported on your credit file, can disqualify you from job offers a
