nina91 asked:


Looking for a sight to get our credit report without having to sign up for a package deal.

BRIAN

delaine asked:


I just want to know exactly if I have good or bad credit.

ARCHIE

Mike Clover asked:


it report is not something to be taken lightly these days. It is almost as important as your social security card. There will come a time where your credit report will be required for credit purposes. We see credit reports on a daily basis, and there typically are issues with that individual’s credit report that was not known. This is all too common due to a lack of staying on top of your personal credit report. Here are some common issues we see that cause loans to get denied.

Credit Report Issues:

- Credit Cards charged beyond credit limit

- Credit Cards charged above 30% of allowed credit limit

- Late payments

- Co-signed for loans

- No Credit

- Credit Score too low

- Your dads credit shows up on your report because you are a junior

- Medical Collections

- Stolen Identity

- Credit card fraud

The majority of the time most people have no idea that the previous information discussed affects your credit report. All it takes is one of these mistakes to have issues getting credit extended to you.

If you are getting ready to make a purchase you can definitely save on interest rates and terms by pulling a copy of your credit report with credit scores. This is a preventive measure so you don’t get blind sided with a credit problem. There is a 1 n 4 chances your credit report has incorrect information on it.

Suggestions to avoid common credit report mistakes

- Pull your credit report every 3 months

- Don’t be late on obligations

- Don’t co-sign for anyone

- Don’t charge more on a credit card than you can pay off that month

- Establish credit if you don’t have any with Secured Credit Cards

- Pay your medical bills

- Shred all document that come in the mail to avoid id theft

It only makes since these days to watch out for the problems that have been mentioned.You have nothing to loose by checking your credit report with credit scores regularly. You would be suprised about how many people have identity theft going on with them and not even know about it, until its too late. Identity theft is the fastest growing crime in America. Most identity theft could have been prevented with a little better credit management. If you have not checked your credit in a while, now is a good time to get that piece of mind. This is part of proper credit managment.



GAVIN

Sophie Wilson asked:


Do you know before offering loans, lenders always check your yearly credit report? This report gives an overview of your financial standing in the market. So, it is advisable to scan your free yearly credit report before applying for loans.

There are three major credit reporting agencies that formulate credit report that are Equifax, Experian, and Trans Union. Each of these three major credit bureaus will provide you a copy of free yearly credit report on your request. These credit agencies consider all details while preparing your credit report. Your personal details, current borrowings, defaults and other such records are taken in to consideration in order to give you all necessary information regarding your credit rating.

This report helps you to have a look on your financial transaction and it is also important for your financial well being. This will also help you to ensure against identity theft and fraud.

You can get the report once in the year through reporting agencies on request. Through this you can stay well informed about your financial status. The credit report will also help you to improve your credit rating if in case you have made any financial mistakes earlier.

If in any case your loan is disapproved, you are entitled by law to obtain a copy of free yearly credit report. The lenders with whom you have applied have to give you the name and contact data of the credit bureau they acquired your information from.

This report can be easily available through internet. But while using the internet to obtain a free yearly credit report, you should be aware of the many frauds that could be out there.

Free yearly credit report can be easily availed by filling and submitting online application form and provide the required details. This report helps you to understand your credit status in the market.



ERIC