Get a Free Credit Report

By: Bryan Burbank

A credit report is a important tool to obtain, it is important to know your credit score at all times. The most important thing lenders will look at is your credit score when deciding on giving you a loan or not. Your credit report has many features in it including your credit score, which is your rank on your actual creditworthiness, it will have the places and employers you have worked for in the past as well as current information on you as well.

It is important to have this knowledge of your credit report because it gives you control over your financial information. When obtaining your credit report you should be able to do so for free. it is important not to commit to any bogus offers. When obtaining your credit report online, do not use a library or public computer because this information can get stored there and become available to the wrong person who can use it to their advantage.

The credit report is a good way to protect yourself from identity theft, fraudulent credit applications, and mis-reported information form a credit source. When you look at your report it is important to report anything that does not look correct so that the bad information can be removed from your report. You can sign up to receive it annually and that way you can keep track of it periodically.

If you never had credit or taken out a loan it is still important to check your credit report because if someone was able to obtain your social security number they could have fraudulently opened accounts in your name and not paid the bill, this will show up as negative on your report and should be reported.

Credit Matters
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