Do you want to be 100% certain that you will receive the loan you applied for? Are you worried that your credit history will get in the way of you getting that loan? Do you want the peace of mind knowing how much credit you are eligible to receive based on your complete credit history? Worry no more! By making sure that your credit report is up to date and free of any inaccuracies, you can ensure that you have a high credit score and receive the best possible interest rates on any credit you wish to attain. The three major credit bureaus ( experian.com/now , equifax and transunion) compile your credit history and offer reports and scores which can be accessed by lenders or creditors on your approval. It is important to regularly check your credit report and keep up to date on any new changes on it which can occur monthly, weekly or even daily.
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Experian offers many services at experian.com/now which allow you to see your latest credit report and score. A credit report from any of the three credit bureaus will contain the following information:
Personal Information – Personal information including your name, address, and place of employment is used to identify you. Previous addresses and places of employment might also be included.
Credit Accounts – The Account History or Credit History section of your credit report contains the bulk of the information. This section includes each of your credit accounts and details about how you’ve paid.
Public Record Information – Public records include information like bankruptcies, judgments, tax liens, state and country court records, and, in some states, overdue child support. Depending on the type of account, a public record can remain on your credit report between 7-10 years. Only severe financial blunders appear in this section, not criminal arrests or convictions.
Who Accessed Your Credit Report – If you find a mistake on your credit report, you have the right to have it corrected. You can do this by disputing the information with the credit bureau. Your credit report will come with a form or instruction sheet guiding you through the dispute process.
The above information should be reviewed regularly for any inaccuracies and mistakes. There are monitoring services offered at experian.com/now and on Equifax and TransUnion websites which keep watch on any changes on your credit report and inform you by email when changes occur. These services should be used if you are in need of credit or loans so that any disappointments can be avoided. It is best to get credit reports from all 3 credit bureaus so that you can get a complete picture of your credit history since creditors and lenders may choose to obtain scores from any of the three bureaus.
To obtain your latest credit report from Experian, Equifax and Transunion, follow the link below.