Your credit report is used regularly to make decisions about you. Marketers use your credit report to determine the offer they will send to you. Insurance companies use it to establish premiums.
Since decisions are going to be made about you based on your credit report, you should know what the report says! Even more, identity theft is rampant and errors can also happen.
By law, you are allowed to obtain your credit report at least once per year. Obtain your FREE credit report at www.annualcreditreport.com.
Each credit reporting agency will attempt to sell you a credit score, but you are not obligated to do so! Decline the offer and obtain your credit report from each of the three credit reporting agencies – Experian, TransUnion, and Equifax. You can print each report as well as save it to your computer.
Facts You Should Know
- Obtain a credit report from each of the three credit reporting agencies – Experian, TransUnion, and Equifax
- If married, obtain these three credit reports for each of you
- Review carefully for accuracy