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How to Check Your Credit

By Ruth Racey
Published: Friday, December 25th, 2009

Are you thinking of a credit check? The fact is that, most consumers who are becoming more able financial managers do. Remember that there is always the tendency that you can overspend, given the convenience that spending using credit cards bring. In this case, it is important for you to take note that all of the information that you will need regarding your credit check, such as your payment history, your debt, and the number of your credit cards, can all be seen in your credit report. Therefore, doing a credit check will surely help you manage your finances better. In addition, it is also true that doing a credit check actually makes you understand better your credit rating.

Whenever you are thinking of doing a credit check, it is best for you to consult the three main credit bureaus in the US: TransUnion, Experian and Equifax. Remember that these credit bureaus actually have the capability to give you your credit report. This is because of the fact that these three large credit agencies are the one who has a record of millions of credit accounts, in which they are also responsible of giving you your credit rating.

It is a good thing that Experian, Equifax and TransUnion are actually required to give you your free annual credit report. In addition, when you become victimized by identity fraud, especially credit card identity theft, you can also obtain from them your credit report free of charge. In this case, all you have to do is for you to contact them and request for your report. You can actually do it in three distinct ways: either by phoning them, by going online and registering in their respective websites, or even by mailing them in their respective mailing addresses. By doing this, you surely can get your free credit report.

Whenever you are thinking of getting a credit check, always remember that it is important for you to obtain it from all the three credit bureaus. This is because of the fact that different lending agencies actually get credit ratings from different credit bureaus. In this case, take note that it is important for you to have a good credit rating before you can expect you loan to be approved. Whenever you have a bad credit rating, more likely, you will have your loan disapproved. And the fact is that much of the data where you credit rating is derived from can be seen in your credit report. Therefore, doing a credit check may be wise before planning to apply for a loan.

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