Find your credit score instantly, by requesting your free credit report from all 3 major credit bureaus. Strike back against identify-theft by obtaining your credit history and working to remove errors in your data. Take the first step towards repairing your credit history today!
The federal Fair Credit Reporting Act (FCRA) was created to allow individuals access to their personal credit history data contained in the files of consumer reporting agencies. The Fair Credit Reporting Act mandates that the primary consumer reporting companies – Equifax, Experian, and TransUnion – have to provide you with a free copy of your credit report (at your request) once every 12 months. The FCRA is designed to improve transaparency into your personal history with the United States’ largest consumer reporting companies. If you are looking for more information, you should go directly to the official source: The Federal Trade Commission (FTC). The FTC is the nation’s consumer protection agency and as such directly enforces the FCRA with respect to consumer reporting companies.
There is a large amount of personal information contained in a credit report. You should expect to find information on where you live, the method you use to pay your bills, your bankruptcy history and whether you’ve been sued or arrested. Be warned: consumer reporting agencies will sell the information in your report to creditors, insurers, employers, and other businesses to evaluate your applications for credit, insurance, jobs, home rentals. Expect to provide your name, address, Social Security number, and date of birth when you fill out an application for your free credit report. To preserve the security of your personally identifiable information, each nationwide consumer reporting company will require you to submit financial and/or personal information that only you would know.
To order your free yearly credit report visit annualcreditreport.com, or call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
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Now more than ever, lenders and other service providers extensively review your credit history to make decisions about whether to extend you new credit and services. Checking your report regularly is the optimal way to ensure you catch possible errors in your personal credit history.
Additional Credit Reporting Facts
Credit reports are a record of an individual’s or businesses’ past borrowing and repayments including details about late payments and bankruptcy. Whenever you fill out an application for credit from a store, bank, or credit card company, your personal information is sent on to a credit bureau, including any updates on the status of your credit accounts, address or any other changes made since the last time you applied for credit.
Credit card companies use your credit history to determine credit worthiness. In a nutshell, credit card companies use this raw score to quickly determine your ability and willingness to repay oustanding debts. Using an overall score allows for companies to make fast, informed decisions on your credit worthiness. It is critical that you constantly monitor your credit history as your credit score is the predominant variable in whether or not you get a loan as well as determining your annual percentage rate. A negative credit rating will almost always result in a low likelihood that a lender will approve your application for credit, or any credit you do receive will be at high interest rates.
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