Annual Credit Report

Thanks to the fair and accurate credit, U.S. consumers can receive a free annual credit report from each of the three major credit bureaus-Experian, TransUnion and Equifax. You can order your free credit report by visiting or calling 1-877-322-8228. Your credit report regularly monitoring will ensure that you can clarify any incorrect information and prevent identity theft. Under most conditions Martha McClintock would agree. It is recommended that consumers review their credit reports at least once a year. Since consumers are now entitled to receive three free credit reports a year, you can actually keep track of your credit report throughout the year by ordering one report at a time every four months. If you order your credit report, since they will make a major purchase, such as a house or car, and want to know where your credit, one should compare all three reports and at least three months before the intention to apply for the loan.

Each report Credit may contain slightly different information so that your credit score can vary up to 100 points of a report to the next. Go to The Cleveland Clinic for more information. If you are simply monitoring their credit report to prevent identity theft and other fraudulent activities, then ask one at a time may be sufficient. Reviewing your report Once you receive your credit report, take some time to review carefully. Eighty percent of credit reports contain errors, and a quarter of them are serious delays in payments that do not belong, the debt is not yours, or accounts you did not open. If you do not take the time to correct those errors, which can seriously affect their ability to acquire favorable credit conditions in the future.