Maintaining an accurate credit history is an important part of your personal finance life. Even if you are not seeking financing, credit reports are used for in other aspects of life like employment, insurance and other non-debt related purposes. So making sure the information on your report is correct is imperative.
The Federal government allows everyone to get a free copy of their credit report from all three major reporting bureaus. This is regardless of whether or not you’ve been denied credit. It is just a way to encourage consumers to review their credit history and hopefully catch possible issues.
So here at BBIC we are on a mission to help as well. The credit checkup is a reminder for you to take time out this month to review your credit report. However we are doing this a little differently. Instead of checking all three bureaus at once, we will check one every four months starting off fresh this month. This way we can review our credit, for free, all year long
How do I get a free copy of my credit reports?
Our first bureau check will be Experian. Go to AnnualCreditReport.com the only site authorized by Federal law and submit your request. During the process you be given the opportunity to select all three bureaus, but only select Experian for now.
Some things to look for…
- Make sure your name or names, addresses and work history are all correct.
- Check for unfamiliar accounts. This could be a sign of identity theft.
- Review your account for incorrect information. Take special care to confirm balances, payment amounts and payment history
If you find errors or information that looks suspicious follow Experian’s instructions on how to dispute errors to get the items reviewed and your report corrected.
Don’t want to do this online? You can also call or write AnnualCreditReport.com at…
Phone: Call (877) 322-8228
Mail: Download and complete the Annual Credit Report Request form.
Mail the completed form to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
Happy Credit Checking!
Until Next Time♥…
Connect with Me… Facebook – Email – YouTube
.For speaking, group or personal financial coaching inquiries, click here.
.Like what you see? Try Canva for free.