Be More Proactive, Check Your Credit Report From Credit Reporting Agencies

Be More Proactive, Check Your Credit Report From Credit Reporting Agencies

It pays to know ahead of time whether you have an adverse credit record or not. By law, you are entitled to see a copy of your credit report once every year without any charges. If you want to see your report more often than this, you would have to pay your credit reporting agency. The top three credit reporting agencies in the United States are TransUnion, Experian, and Equifax. These agencies are regulated by federal laws in the way that they collect information about your credit activities and in the way that they use such information. With your credit report, they are able to calculate your credit score, usually using the FICO scoring platform, which they in turn release to your future creditors or employers upon request. While the matter of record keeping is between your creditors and the credit reporting agencies, there really is no stopping you from proactively checking your credit report for any inaccuracies that could potentially bring your credit score down and prevent you from gaining access to good credit.

Through the help of a competent credit correction professional, you can undertake measures to clean your credit record of any undesirable negative information it may contain. As you check out the websites of the three credit reporting agencies, you would find that all three have a feedback facility through which you can file your disputes. You can write a dispute letter itemizing those information that you feel should not be included in your credit report. These credit reporting agencies, however, do not necessarily delete those information right away. They would of course have to conduct the necessary investigations to make sure that the contested information is indeed erroneous. If, on the other hand, it is the creditor who reported it in the first place is the one requesting for the deletion of the information, you stand a better chance of getting what you are asking for. Such mediation is only possible with the help of professional credit correction experts. You would find a lot of information that teach you how to clean your credit report by yourself but none of these would ever give you the results as efficiently as a professional credit correction expert can. The only way that you can ensure that you have a high credit score is to ensure that you check and validate your credit report once a year and consult with these professionals on how you could keep your credit record clean.

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