Is Your Credit Report Accurate?
Errors in your Credit Report/Credit History Can Cost You Money
A credit report plays an important role in everyone’s life nowadays. From getting a credit card, mortgage or even a job; your credit report and credit worthiness weighs heavily in daily life. It is very important to obtain your credit report and to check it at least yearly for bad or outdated info in your credit history. The three major credit bureaus that provide information on credit history are Equifax, TransUnion and Experian. Getting a credit report doesn’t cost you anything, you can get a free credit report at FreeCreditScore.com.
Once your obtain your free credit report, check it for accuracy. Check items like age, address (past and present) and job information (past and present) and other personal information. Thoroughly go through each credit item and make sure you recognize each one. If you find any discrepancies in your report/history contact each credit bureau in writing asking them to correct the information. If you find credit information that is not yours, ask the credit bureau to investigate it immediately and/or remove it.
How to Avoid Identity Theft
We live in an electronic/digital age. Even if you use cash for everything in order to guard against identify theft, your info is still electronically stored. “Phishing” (trying to get you to disclose your account information) is prevalent. If a thief really wants your information they will go to the source, like shops, utility companies and other facilities that store info electronically. Being proactive is necessary in order to protect your identity. Discovering that you have been a victim of identity theft and then trying to correct the situation is time consuming. By using a credit monitoring service, you can prevent and deter damage to your credit history entirely.
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