Obtain Your Credit Report Today

Requesting a copy of your credit report is easy and is the first step toward rebuilding your credit. Read on to find out how to obtain a copy of your credit report and to learn some of the benefits of reviewing your credit history.

A credit report will help you rebuild your credit and this is the most common reason people request a copy of their credit report. A person’s financial history is listed in its entirety on their credit report. The entries will include identifying information, payment history, and credit accounts. A quick review of your credit report will let you know if all of the information recorded is accurate or if there are some inaccurate or false entries. Any inaccurate or false information listed has already affected your credit score.

You can dispute any inaccurate or false information you discover on your credit report. To do so, you will need to send a dispute letter to the credit bureau requesting the correction of the disputed item. The credit bureau then has 30 days to obtain verification of the recorded information. If the credit bureau does not receive verification of the disputed entry, it must delete the entry in its entirety. If this happens, your credit score should increase.

Credit reports are also helpful for finance and budgeting purposes. Obtaining your credit report allows you to view your credit status in one neat, concise report. A credit report can allow you to determine if you should work to consolidate your debt and can assist with prioritization of payments.

Identity theft is another reason for requesting a copy of your credit report. By obtaining a copy of your credit report you will be able to compare your knowledge of your recent credit transactions against what has been reported to the credit reporting agency. Identity theft is a very real concern and threatens a person’s credit worthiness in addition to their financial situation.

Your credit report can be obtained several different ways. There are internet companies that offer copies of credit reports and you can contact one of these companies. Alternately, you can contact one of the three major reporting agencies – TransUnion, Experian, and Equifax – for a copy of your credit report. Pursuant to Federal law, these major credit reporting agencies are required to provide you with a copy of your credit report, free of charge, once every twelve months. To request a copy of your free credit report, you can call Annual Credit Report at (877) 322-8228.

It is wise to obtain a copy of your credit report. Request yours today and when it arrives, sit down and review it for any inaccuracies so you can begin to rebuild your credit.

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