Reaasons To Order A Free Annual Credit Report
There are many reasons to order a Free annual credit report. Having a good (or bad) credit score can affect a person in many ways. Many companies such as automobile dealerships and credit card companies analyze a person’s credit score as a way to decide if that person is worthy of receiving credit. Even apartment complexes check credit scores to find out if a person has been responsible in regards to paying their obligations. Some employers are starting to check the credit scores of job candidates for this same reason.
Even though a person’s credit score is very important, many people have not taken the time to order a Free annual credit report. They are walking around without knowing the information that potential creditors and employers have received about them. The information listed on a credit report should be correct, but it may not be. There have been instances where information is reported incorrectly and even instances where a person’s credit report contains information that does not belong to them at all.
It’s very important to order a Free annual credit report. They can be order from the website www.AnnualCreditReport.com. There are other websites touting the ability to receive free credit reports but they usually are not really free. AnnualCreditReport.com was established by the three credit reporting companies to provide a way for Americans to get a free report. Make sure to use the correct website when ordering a Free annual credit report. Once the report is received, the information listed should be read. The information should be checked for accuracy and for completeness. If any information is incorrectly listed or if information listed on the credit report does not belong to the person, the information can be disputed with the credit bureau. Disputes can be opened online or through the mail. It may be necessary to send in items that support the fact that the credit report contains errors. It is best to send those items through registered mail. After the dispute has been opened, the credit bureau has thirty days to investigate the dispute and respond. There are three credit bureaus, so be mindful that if information one credit bureau is reporting is incorrect, it may be incorrect with the other bureaus as well.
