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Instant Personal Credit Report
Your instant personal credit report is only a few clicks away.
Entering your information online will enable you to get your
credit history in seconds. So just before you apply for a loan
or insurance, you can double check for any mistakes that might
be on your record.
Information Needed
Only basic information is needed to get your credit report. Just
entering your name, address, date of birth, and Social Security
number will bring up your report. To confirm your
identification, the reporting agencies will ask you an obscure
fact that only you would know. Many times it is your mortgage
payment.
To make sure you get a speedy report, double check that you
entered all your information correctly. Dropping off part of
your address is a common mistake that can delay your report.
Another option is to take advantage of an offer from a credit
monitoring service. Usually with an introductory offer, you can
get your report free and not have to answer detailed questions.
Getting Your Credit Report
As soon as you submit your information, you will receive your
report. It is that fast. You can look over your copy or print it
off for your records. You can also request a paper version,
which takes up to 15 days to receive.
Using Your Credit Report
With your report, you can check for any errors or suspicious
activity on your account. Start by reviewing your payment
history for any erroneous late or missed payment statements.
Also, look for any unknown open credit accounts. This may be a
sign of identity theft.
Besides payment history, glance over recent credit inquiries
made. Do you recognize the names of companies as ones you have
applied with recently? If not, make sure they haven’t opened any
accounts in your name. Just another way to protect yourself from
fraud.
If you do come across a problem, report it immediately to the
reporting agency and the information provider. The reporting
agency is responsible for investigating and resolving any
mistakes with your credit report. But, it is a good idea to
follow up with both the agency and erring company.
Here are our favorite resources to help you get started.
3 Major
Credit Bureaus - Get all 3 Credit Reports FREE here:
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