|CORRECTING CREDIT REPORT INACCURACIES|
|Posted on: Jun. 26, 2017 in Credit, Credit Score|
Regularly reviewing your credit report is crucial for staying on top of your credit history. While creditors and the major credit reporting bureaus do their best to make sure the information in your credit report is accurate and up to date, mistakes do happen.
You can request a free copy of your credit report from each of the three major bureaus, Equifax, Transunion, and Experian once each year. You may want to stagger when you order the reports so that you’re getting one every four months. For example, request Equifax every January, Transunion every May, and Experian every September. Freecreditreport.com is a truly free website where you can make this request. Beware of sites that claim to be free and have hidden charges.
Once you have your report in your hands, you can review it for accuracy. These reports will indicate what amounts you owe, your credit lines with each lender, and whether you pay late or on time. If you see any information that’s not correct, or if you see debts that you are not yours, you’ll need to correct them.
Having good credit can mean the difference between getting a good loan, a bad loan, or no loan at all. If your credit report has errors, they can be bringing you down. Stay on top of your reports so you can stay on top of your score.
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