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The Free Annual Credit Report and Its Importance

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The yearly summary of your annual personal credit report, the report which tells how the consumer is basically paying the companies to which he or she owes money, is a major factor to judge your credit worth. The annual credit report for every person is maintained by the financial institutions and the loan providing companies. The various companies include their outputs in the credit reports. These reports are a collective effort of the creditors or the landlords etc. who are a major part as loan providers. The annual personal credit score and report is the indicator of your borrowing habits throughout the year. The annual credit report for any person influences the creditors and the lenders to extend or cancel your loan.

There are lots of uses for which a personal credit report is maintained. The major uses of these reports are: -By looking at the report, various companies decide the status of your coming loans. The companies decide whether to continue your loan or not. The report suggests the financial institutions about the risks that are involved if the finance group gives you a loan. -If your existing lenders move away and do not provide you with the loans then finding other lenders can be a tough job if your annual credit report is not good. -Credit cards also will turn more expensive for you if you are not able to maintain a good annual report. Sometimes a bad report or score would not allow you to access your credit card and even getting a new card would not be possible. -Sometimes, renting a house would become even more difficult because some house owners check the credit report of the paying guests. There are a few factors that you need to know so as to maintain your annual credit report and give it a good shape. Keep in mind that FICO system is considered by many financial banks and institutions. You need to maintain a good FICO score. To maintain a good credit score, these scores are required to maintain a good annual report. Keeping a regular check of your annual report can help you maintain a good report and scores.

Many financial institutions provide free credit check for your credit reports. These are provided to any person by these institutions so they can easily maintain their credit scores to a good level. The importance of annual reports and scores are clear and these are required to you in stages when you need money the most, so also keep your payments on time. Never delay your payments to the lenders. Even your monthly installments and your loan repayments, be it monthly, yearly or quarterly must be paid well in time just to maintain goodwill and also a good annual credit report by a person. So try and consult financial institutions and maintain a good credit report for your benefit.

Consumers can learn how to get a a truly free annual credit report and why they should get one. They will also learn about how not to be taken advantage of by imposter sites. See http://infoaviator.org/finance/credit/2014/06/14/how-can-i-get-a-true-free-yearly-credit-report/
Video Rating: / 5

Free Annual Credit Report – Credit Repair Software

Free Annual Credit Report - Credit Repair Software

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Mortgage Magic – the real free annual credit report

Mortgage Magic - the real free annual credit report

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Credit Reports can be a Teaching Tool

If you have recently been denied credit or plan to apply for credit soon, it would be wise to obtain your credit report. You know that it is a document that is the foundation of a decision on whether you will receive credit.

You need to know that there are actually three major credit reporting agencies. These are: TransUnion, Equifax, and Experian. It is possible to receive a free copy of the report from each agency once a year. See freeannualcreditreport.com (freescorereportgov.com) for information on how to obtain the three copies. You need all three because differences may be apparent.

The reports will all contain a section with the usual identifying information such as name, address, social security number, etc. The reports will not have information about you personally such as race, assets, salary.

Lines of credit will be included such as balances, monthly payments, and credit limits. This section addresses credit cards, department store credit cards, mortgages, automobile loans, department store cards, gas cards. This will also cite dates accounts were opened, payment history (with late payments), unpaid child support, and overdrawn bank accounts.

The court system also provides information to credit reporting agencies. Such reported information will include bankruptcies, divorce, judgments, and liens.

Any time that you fill out a credit application ( credit card, loan ) there will be a credit inquiry to one of the bureaus. If you inquire for yourself, it will be on the report. These inquiries will remain for 2 years.

There is no problem if your credit report is positive. However, any true negative comments will stay on the report for 7 years. Bankruptcies stay on for 10 years.

It is highly recommended that we obtain and seriously review our credit reports to be aware of differences on each report, locate any and all errors. It is up to each individual to monitor his/her own credit profile, fix errors, and repair personal credit.

With never before seen challenges in the credit markets it’s more important than ever to have excellent credit. For more information check out Rob Kosbergs’ Detailed FREE Guide on Maintaining and Repairing your Credit Score by going to Bad Credit Repair for your FREE information.

Find More Freeannualcreditreport Articles

How To Order A Free Annual Credit Report: How to Fix Bad Credit Part 1

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To Request your Credit Report by Phone:

Call 1-877-322-8228
You will go through a simple verification process over the phone.

To Request your Credit Report by Mail:

Download the request form here: https://www.annualcreditreport.com/cra/requestformfinal.pdf

Print and complete the form
Mail the completed form to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Your reports will be mailed to you within 15 days. Please, allow 2-3 weeks for delivery.

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