How to Get Credit Reports - Experian, Transunion and Equifax
In today's financial world, the credit report is the one document that cannot be joked with.
The reason for this is not far-fetched - employers, landlords, and most importantly banks and other financial institutions will always get a copy of it if you need their services or aid for any reason.
Therefore, it is important that you know exactly how to get your files when you need them in preparation for some loan request in the near future.
One, understand that you have three reports and not one.
They are Experian, Transunion, and Equifax.
Also you have three credit scores from these three main bureaus.
The way to get a free copy of your 3-in-1 file is to go through annualcreditreport dot com.
On that website, you'll be required to fill in your name and social security number which will enable you access to download your files.
The emphasis on getting your file is not just for the sake that you're allowed a free copy once a year.
The reason behind this is to enable you have a more than a peek of the status of your financial activities.
For instance, knowing on time that there are bad accounts that will affect you negatively when you make loan applications will give you an edge in fixing your file on time.
The fact that there is a bad account on your file does not necessarily mean that you're responsible for it - it has actually been estimated that at least 79% of all files in the country contain one type of mistake or another.
That runs into tens of million mistakes! Therefore, make an effort to obtain your own file now and do not stop there! Take a further step of correcting inconsistencies and deleting negatives on your file so as to raise your score and improve your creditworthiness.
You can get this done using self-help, preferably with a restoration toolkit; or consulting a professional credit repair agency.
Good luck in your repair effort, but get that report first!
The reason for this is not far-fetched - employers, landlords, and most importantly banks and other financial institutions will always get a copy of it if you need their services or aid for any reason.
Therefore, it is important that you know exactly how to get your files when you need them in preparation for some loan request in the near future.
One, understand that you have three reports and not one.
They are Experian, Transunion, and Equifax.
Also you have three credit scores from these three main bureaus.
The way to get a free copy of your 3-in-1 file is to go through annualcreditreport dot com.
On that website, you'll be required to fill in your name and social security number which will enable you access to download your files.
The emphasis on getting your file is not just for the sake that you're allowed a free copy once a year.
The reason behind this is to enable you have a more than a peek of the status of your financial activities.
For instance, knowing on time that there are bad accounts that will affect you negatively when you make loan applications will give you an edge in fixing your file on time.
The fact that there is a bad account on your file does not necessarily mean that you're responsible for it - it has actually been estimated that at least 79% of all files in the country contain one type of mistake or another.
That runs into tens of million mistakes! Therefore, make an effort to obtain your own file now and do not stop there! Take a further step of correcting inconsistencies and deleting negatives on your file so as to raise your score and improve your creditworthiness.
You can get this done using self-help, preferably with a restoration toolkit; or consulting a professional credit repair agency.
Good luck in your repair effort, but get that report first!
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