Each year, everyone gets access to a free credit report. This is a great service to help you maintain your credit score and make sure you don’t have anything wrong reflecting on your credit. When it comes to credit checking software, you can start with www.annualcreditreport.com or go to each credit reporting bureau and make your request.
You can also mail in a request for them. If you go through the electronic process, you need to be aware of fraud, so your first step is to make sure that you are on the proper links. When you enter your information, you can opt to get one or all three from each bureau.
The three credit bureaus include Experian, Equifax, and Transunion. If you go through the www.annualcreditreport.com link, then you can do one every four months so that you can monitor your credit report easily. Depending on which ones you selected, you have the option to view them at that time. When you do a check on them, you want to first go over all your demographic information and make sure different addresses, birthdays, etc. aren’t showing up on the report. The next thing you need to do is look over the accounts that are open and see if anything stands out that shouldn’t be there. If you find any information that isn’t yours or you question it, you should dispute it.
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