The Ninja Way to Stay on Top of Your Credit Score With Your Free Credit Reports

The Ninja Way to Stay on Top of Your Credit Score With Your Free Credit Reports

It is surprising how many people do not check their credit score to find out if they can take advantage of it to receive lower rates and better loans. Credit check is usually done to verify whether you are eligible for a loan or on any other forms of credit based on your past credit performances. Your credit score will tell a lot about you as a consumer: whether you are trustworthy car ninja or a high risk to potential lenders. If you have paid your bills on time all the time and do not have many credit cards accounts open, you can expect to get a passing score from credit bureaus. But if you have been slacking off and missed a few payments, you will see them come back to haunt you.

If you have applied for a car loan or a home mortgage, you have probably seen them ask for your credit information to check your credit score for you. Even if you are looking for a house to rent, Latest foodie story you can expect your real estate agent to check your credit score to figure out if you are a trust worthy person to get the house. But that’s not all. Even employers check credit scores these days to figure out if you as a job candidate are worth taking the risk on.

Knowing your credit score can be the difference between you getting that house of your dreams or getting the bad feeling of rejection in your mouth. But what many consumers don’t know is that you can obtain your credit report containing credit-related information from any of the three major credit-reporting agencies. Besides, the Fair Credit Reporting Act entitles you to free credit reports from all three bureaus. Under FCRA, more info please visit these websites:- every individual is entitled to receive a free credit report from any of the three major credit report companies (Experian, Equifax, and Trans Union) once a year. It is recommended that you get a free credit report every four months to stay on the top of your credit all the time (try getting a free report on April from Experian, then try the same from Equifax on August, and Trans Union on December).

You can obtain your free credit report, through a centralized credit report website on any of the three major credit bureaus in the United States. You can also use services such as to go beyond the three free reports that you are entitled to in a year. After receiving your credit report, you need to look through the report carefully to see if you can find any discrepancies. If you are lucky, there are no major surprises on your credit report, but you can always dispute the derogatory items on your credit report if you feel you are a victim of theft identity. The key is to catch it quickly and avoid getting in a deeper trouble.


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