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Requesting Your Credit ReportJanuary 2007 Newsletter- Email this article to a friend - Hold Onto Your Computer Chair... We are starting with a Very Informative Newsletter! Today I am going to Reveal to You How to Get your Credit Reports from the Credit Bureaus! I will be as brief as possible…but let’s face it….this is a BIG and IMPORTANT Topic. I know you have other things to do besides sit here and read on and on… but this is crucial for you to know and understand where to get your credit report from and to do so on a yearly basis. You know what they say…if it ain’t broke don’t fix it….well I want you to be able to tell if it is broken. The first step is to actually get your hands on your credit report from the 3 credit bureaus. Not knowing you 3 credit scoresYour credit scores are like thermometers…they help you figure out if you are sick or not. So if your credit score is low….it needs attention. In Colorado we are entitled to get one FREE report from each of the 3 credit bureaus (thus 3 scores). The best way to do this is download the form online from https://www.annualcreditreport.com/cra/requestformfinal.pdf and then complete the form and mail it into: Annual Credit Report Request Service It is easier to mail it than submitting it online although now days just going
onto You will receive reports from the 3 credit bureaus: Experian, TransUnion and Equifax. Each bureau reports things a bit differently, so you want to make sure each one is accurate. There is one other important thing that you should be aware of: Having Unnecessary Credit InquiresIf you sign a credit application or give a lender your social security number you just gave them permission to look at your credit report. This is commonly called a credit inquiry. These remain on credit for 2 years but only count against your scores for 12 months. The idea is not to let any and everyone pull your credit, make sure it is something you need and that you will benefit from the service because just applying will initially affect your credit. Dedicated to Improving Your Credit and getting you financed for your new home, Lori Jake If you like this article and would like to receive more valuable information like this, Click here to sign up NOW! |
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