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Checking your credit report regularly

Checking your credit report regularly, get out of debt

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Checking your credit report regularly

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  1. Checking Your Credit Report Regularly www.lifethenfinance.com

  2. Your credit score plays a vital role in many essential areas of your life, including loans, renting a home or apartment, mortgages, and even your job. www.lifethenfinance.com

  3. By information gathered from: Experian Equifax TransUnion Get your free credit report at: https://www.annualcreditreport.com As a consumer, you're entitled to one free credit report from each bureau each year. How is Your Credit Score Determined? www.lifethenfinance.com

  4. Your name and any other names you’ve used. Current and previous addresses. Your record of payments on your credit cards and loans, including your mortgage. What’s in Your Credit Report? www.lifethenfinance.com

  5. Public records such as bankruptcies, judgments, foreclosures, and car repossessions. Your credit limits on each of your credit cards or other lines of credit. How long you’ve had each type of credit. What’s in Your Credit Report? www.lifethenfinance.com

  6. The balance due on each credit source. If you’ve defaulted on any of your financial contracts. Anything that was turned over to a collection agency, like medical bills and more. What’s in Your Credit Report? www.lifethenfinance.com

  7. Most of the information stays on your credit report for three years. Bankruptcies and judgments: 7-12 years! www.lifethenfinance.com

  8. Credit bureaus do not include your credit score in your report. They charge a small fee to provide this information. When you request your report, you’ll have an opportunity to purchase your score also. How Do You Get Your Credit Score? www.lifethenfinance.com

  9. Some credit monitoring services provide your credit scores as part of their service. They charge a monthly fee for you to have constant access to your credit reports and scores. Such a service can alert you to any suspicious activity. How Do You Get Your Credit Score? www.lifethenfinance.com

  10. You may find: Addresses where younever lived Other people’s credit cards Even their bankruptcies and judgments! In all likelihood, there are errors in your credit reports! What If Your Report Has Errors? www.lifethenfinance.com

  11. Contact the bureau that’s reporting the error and request that they correct it. What If Your Report Has Errors? www.lifethenfinance.com

  12. For Equifax reports: http://www.investigate.equifax.com For Experian reports: http://www.experian.com For TransUnion reports: http://www.transunion.com To Report Errors On Your Report: www.lifethenfinance.com

  13. Am I planning on taking out a loan or mortgage in the near future? When was the last time I checked my credit report? Is my credit score worth checking on a regular basis? Self-Reflection Questions: www.lifethenfinance.com

  14. Request your free credit report from each of the three major bureaus. Report any errors you find and follow-up on the corrections. Action Tips: www.lifethenfinance.com

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