Why to check credit report NOW ? Priceless !

1-Who checks your credit reports?

• Banks, Credit Unions 

• Car leasing companies

• Credit cards companies, retail credit cards 

• Insurance companies (Car, Home) 

• credit report for landlords 

• Electric/Gas/Internet Utilities or mobile phone companies

• Employers

• Government 

• Hospitals 

• Attorneys 

• Collections Agencies (Debt Collectors) 

 

2-When to check your FREE credit reports? 

Today credit report affect your life until the end of your days. 

The best, you must check your all 3 credit reports at least once a year if you want to back to the Financial Freedom! 

It’s FREE for all 3 credit reports yearly.

BEFORE:

• You plan to apply for loans. (phone, laptop, car, motorcycle, computer, boat, home).

• You plan to apply for a credit cards.

• You plan to apply for a dream job.

• You plan to apply for an insurance. (car, motorcycle, computer, boat, home).

• You plan to rent an apartment.

• You plan to cosigne a loan.

• You want to improve your credit score. (A credit score is often calculate by FICO).

• You are denied credit. (Credit cards or loans).

• You want a mobile phone.

• You suspect an identity theft.

• You are follow up by the collection agencies. Caution: You have the rights against agencies. 

• You pay to high interest on your credit cards or loans.

• You want to fix your low, poor, fair or bad credit .

• You want to keep your credit score in good shape.

• You want to make sure your credit information accurate.

• You won’t be surprised at outcome of your applications !

• You want what actions hurt and help your credit score ?

• You want your dream home !

 

3-Get your 3 FREE Credit Reports online?

Claim fast NOW ! 

 

4-Why you must check your credit report?

Credit report is a cartoon of errors, mistakes, inaccuracies, unverifiable, misleading, untimely, biased, discrepancies and incomplete ! If there are multiple errors on your credit reports, you’ll need to dispute each of those individually. You might consider working with a credit repair company to make things a little easier for yourself. 

Credit reporting errors can damage your ability to qualify for credit cards and loans. Consumers should check their credit reports regularly and dispute any errors with the credit bureaus and the creditor that supplied the inaccurate information. 

 

• Name misspelling

• An out dating mailing address

• An incorrect date of birth

• Wrong phone number

• Wrong address 

• Wrong address previous

• Review your list of accounts, balances, payment history and account status. Look for incorrect statements of missed or late payments  

• On time payments showing as late

• Incorrect payment status (+30-60-90-120 days)

• You don’t recognize information on your credit report

• Incorrect accounts

• Fraudulent accounts (if you are victim of identity theft)

• Information or accounts or debts from ex-spouse

• Credit cards accounts or loans for someone with similar name

• Errors may have lenders seeing double because accounts have been reported more than once, making it appear you have more open lines of credit or higher debt than you actually do

• Negative information that remains on your credit report beyond the maximum (outdated information) EX: Bankruptcy, negative accounts over 7 years old.

• Make sure that older bad debts that should have been, because credit Bureaus should remove them from your report after 7 years.

• Duplicate collections.

• Someone who has fraudulently used your identity

• Reinsertion of inaccurate information after it’s corrected

• If you closed a credit account, make sure that does reflect that it was “closed by grantor” making it appear that the creditor closed the account, and not you.

 

—You must order each year your 3 FREE credit reports and to check your credit report regularly is a good habit to see these errors !

The resolution process probably won’t be fast or simple, but it’s all worth it !

 

5-Credit check without authorization?

—No, when you do all applications, all companies put the authorizations in their sheets or forms.

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