- You should check your credit report at least once a year to make sure there are no errors that could keep you from getting credit or best available terms on a loan.
- You should also check your report to be sure the information in the report is accurate and up-to-date.
- It is also important to review your credit information regularly to guard against identity theft.
Credit reports contain information about how you pay your
bills and repay loans, how much credit you have available, the amount of your
current debt, and other types of information to help a lender determine your
credit risk. Lenders use this information to help them decide whether to give
you credit or a loan, and to determine what interest rate they will charge you.
Better news still access to said credit report is free!
To obtain a free copy of your credit report:
- Visit AnnualCreditReport.com
- Call 1-877-322-8228. Deaf and hard of hearing consumers can access the TTY service by calling 711 and referring the Relay Operator to 1-800-821-7232.
- Request by mail: Fill out the Annual Credit Report Request Form and mail it to:
Annual Credit Report Request Service
PO Box 105281
Atlanta GA 30348-5281
PO Box 105281
Atlanta GA 30348-5281
Get your free credit report today!
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