BudgetPlanners.net recommends that consumers obtain a copy of their credit report each year as allowed under the Fair and Accurate Credit Transactions Act. A consumer should also purchase an up to date credit report (if yours is over three months old) before making any large purchases such as a home or automobile. This will avoid any embarrassment and give you time to correct any errors in the report before approaching a lender.
A credit report from each of the three major credit bureaus is necessary to insure the accuracy of all three reports. Lenders usually use only one of the services. AnnualCreditReport.com provides consumers with a secure means of obtaining all three major credit reports. Your credit report will be furnished to you free of charge once every twelve months. The web site provides a step by step guide and you should be able to view your credit report within minutes and print them off the site.
Once you have printed your credit reports, have a certified credit counselor review it with you. They will help you understand your credit report and answer any questions you might have concerning your credit report. Your credit report is your official credit history. It is what a lender will base such decisions on as do we make the loan and what the interest rate? Don't just assume that it is accurate. Get your credit report today.
If you do not have access to the Internet you can have a copy of your credit report mailed to you by calling toll free 877-322-8228.
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