I checked my credit report a few months ago and boy was I disappointed. I had a 760. I paid all of my bills and credit cards on time. I should have a close to perfect score. Right? Nope. I guess I didn’t know a lot about my credit report.
The point is that nobody knows their credit report unless they check. There is no guesstimating. Here’s where you get your credit report.
Equifax – http://www.equifax.com
Experian – http://www.experian.com
Transunion – http://www.transunion.com
Some people recommend you get a copy from all three bureaus. They can have different information. It costs a few bucks for your report but it’s worth it to correct mistakes or general peace of mind.
A law passed says that all Americans are now entitled to receive free credit reports every year — no strings attached. Go to www.annualcreditreport.com, which is the only authorized source for consumers to access their annual credit report online for free. I think you get one a year.
Note: Don’t trust any other free credit reporting agencies.
[Photo Credit: carpe icthus]