How Can I Get My Free Credit Report?

How Can I Get My Free Credit Report?

How Can I Get My Free Credit Report?

Don't wait until you are ready to buy that dream house or car to check your credit report. It may be too late after your have been denied. When you make an application for a mortgage or a loan, the company that is going to either accept or deny your application will want to get a copy of your credit report and your credit score. That report will tell them if your credit history is one that is reliable enough for them to take a chance on giving you that mortgage or loan. They will be able to learn if you have defaulted on any loans or credit cards in the past or if you have ever filed a Chapter 7 or Chapter 13 bankruptcy. If you have any taxes that are outstanding, they will also show up on your credit report. Your financial life is outlined in that credit report.

When you apply for credit whether it is for a mortgage or a loan three major credit companies are notified, and you should be aware of who they are. The three major credit companies are: Equifax, Experian, and Trans Union. In order to save yourself from identity theft and to keep track of your credit report and score, you should be in touch with these three companies regularly and if you find something that does not belong to you on their reports, repair it immediately.

If you request it, these copies will give you a copy of your credit report and your credit score for a fee. There are some companies such as "My Free Credit Report" that will provide you with your credit report without any charge.

Just a word of caution here and that is that you should not make too many loan applications with too many financial institutions; as these applications will appear on your credit report and make it look as if you are having a hard time getting your loan. This will eventually affect your credit rating and your credit score. If you are inquiring about your own credit rating then that will not show on your credit report.

The importance of your credit report and credit score should not be underestimated, especially if you want to buy a house or a car or other large item. You should make it a point of checking your credit report and score prior to making that search for the house or car. If there is something that needs to be corrected, do it before you make any applications for that mortgage or the loan.

Clean up your free credit report before you apply for your mortgage or loan. Visit this site: my credit report

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