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Get Your Credit Report & Analysis |
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It is very important to get your credit report and analysis. Why is this important? For one thing, if you're thinking about buying a house or applying for credit for any other big purchase, you'll need a clean credit report, and it's always best to get your credit report and analysis before your lender does. This will give you an opportunity to clean up any discrepancies or errors, which are fairly common, and which can throw a monkey wrench in the works if not resolved.
Ideally, you should get your credit report and analysis once a year with each of the three credit bureaus:
• Bills can get them all – http://www.bills.com/creditreport
• Equifax – (800) 685-1111, http://www.equifax.com
• Trans Union – (800) 888-4213, http://www.transunion.com; and
• Experian (888) 397-3742, http://www.experian.com
You're entitled by law to get your credit report and analysis for free from each of these three credit bureaus once a year. You can get all three at once or spread them out over the year. If you get your credit report and analysis more frequently than that, each report will cost no more than around $10 and in some states considerably less.
If you've been turned down for credit in the last 60 days because of something a lender saw on your credit report, you can get your credit report and analysis free of charge. Lenders are required by law to notify you of this right if they deny you credit.
When you get your credit report and analysis, review them carefully to make sure all the loans and credit accounts listed really belong to you, and that all the accounts listed as open are actually current loans or balances. If a loan you've paid off or a credit card that was cancelled is still listed as open, contact the credit bureau and ask for your credit report to be corrected.
What Is the Range of Possible FICO Credit Scores and What Do They Mean?
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