You Are Entitled To An Absolutely Free Credit Report
Your credit score is essential when you are planning to apply for a loan or any type of credit. By law, anyone can obtain an absolutely free credit report just by knowing whom and how to ask and the specific steps to take.
If you can keep a close eye on your credit report you will know before you apply for a loan whether there are any blemishes on your credit. Most negative items on a credit report can be fixed with a little diligence and follow through on your part.
There are three major credit reporting companies that most lenders use when issuing credit or processing an application for a loan. Each of the three credit companies has a slightly different result when your name comes up in their system. That’s why it is important to obtain a report from all three companies.
You are allowed to view one report per year from just one of the three reporting companies. Your credit reports can be viewed more frequently if you are actually turned down for credit.
When the denial letter arrives in your mailbox check it over carefully. Send a letter in return asking for the report that was used to determine your ability to obtain credit. Make the request within the time frame stated on the denial letter.
Another way to receive a complimentary report is to search out companies online that offer them. These companies usually offer a free report to draw attention to their consumer credit protection products. They will give you the option of subscribing to a program that acts as a watchdog over your credit. Any unusual activity on your credit accounts is noted. You are then alerted to the possibility of unauthorized use of your credit card.
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