Learn More About The 3 Major Credit Bureaus
There are 3 major credit bureaus that have information on your regarding your credit history. A file at one of the 3 major credit bureaus is what anyone who has ever applied for a loan or credit has. Since merchants usually report to only one of the 3 major credit bureaus, you may have to request a free report from all three to get an overall look at your credit report.
To request a free credit report from either or all of the three major credit bureaus, all you have to do is to request a free report online. Provide all your personal information when you sent your request by email. There are sites that will charge you for a credit report from one of the 3 major credit bureaus, but it is necessary for you to know that by law you are entitled to one free credit report a year. Directly contact the credit bureau in order to get your free report.
When you do receive your credit report from the 3 major credit bureaus there are certain sections of this report that you need to pay particular attention to. Your name and address is found on the first section. You should check this to make sure that it is correct. If you see inaccuracies in this section, then what you need to do is contact the bureau.
In the next section, you'll be given details of your current bills. Depending on which merchants report to that credit, each of the three major credit bureaus may contain the same information or one of the three may have different information about your credit history. In two of the 3 major credit bureaus, you may have an excellent credit report while having a poor rating with the other and this is something you should also take note of.
Check the listing of your bills, the amount of the payment and the due date. If you have missed a payment or have been late, then on the credit report you received from the three major credit bureaus, expect that this will show up. To make sure that no unauthorized person or company has been making inquiries without your permission, you also need to check to see who has been inquiring about your credit history. When you see that everything is in order, then you know that with the 3 major credit bureaus, your information is safe. If there are any inaccuracies in the debt information, you will need to contact the credit bureau to start taking the necessary steps to have it corrected.
Knowing about the 3 major credit bureaus is a must if you are concerned with your credit report.
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