Honestly, how many of you have viewed your credit report? Have you done it in the past year? In the past five years? Ever? Is this you when you think of your credit report?
www.annualcreditreport.com. This Web site was designed by the federal government to give you access to your credit report free annually. Since you are allowed a free report from each of the three credit reporting agencies, I would suggest staggering your reports throughout the year. This will allow you have constant access to your reports to see what is going on. So, for example, you could do Experian in January, TransUnion in May, and Equifax in November.
www.myfico.com for further study on credit scores.
I’ll discuss negative credit reports, disputing something that is incorrect, and building credit in my next column. There are plenty of people I know who filed for bankruptcy who have since emerged as good credit warriors, so don’t think there isn’t hope if your credit is less than perfect. Until then, please take a look at your free credit reports.
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