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Check your credit report

March 31, 2008

It is very important to check your credit report.

It is also very important to make sure you obtain your credit report through a reputable service.

You are entitled to a free copy of your credit report once a year from each of the three credit reporting bureaus. Checking your credit report each year will ensure there are no errors on your report that could adversely affect your credit score or ability to borrow money.

There are services that advertise they will provide you with your “free” credit report, but in the case of some services once you are on their web site you must give them a credit card number in order to continue. You are then informed that you will be enrolled a free trial period of some other type of service and you must cancel at the end of a certain time period or you will be charged.

Recently, I have talked to several people who have gone to these web sites, obtained their credit reports, but then found it difficult to cancel the other service at the end of their free trial period.

The best place to get your credit report is AnnualCreditReport.com.

According to the company’s web site: “AnnualCreditReport.com provides consumers with the secure means to request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies in accordance with the Fair and Accurate Credit Transactions Act (FACT Act).”If you have a complaint regarding a service that offers credit reports, you should contact the Better Business Bureau at http://welcome.bbb.org.

Written by admin · Filed Under Tips 

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