Credit reports have always been important in the financial world. They govern whether you can qualify to borrow and have an influence on your limit. Credit reports contain data about your bill installment history, current financial obligation, loans, and other money related data. They also contain other details about your workplace and where you reside, and other details such as whether you have been arrested, sued, or petitioned for chapter 11.
Besides helping lenders determine if they can approve loans, credit reports also help in deciding how much interest you should be charged. Thus credit reports are useful to lenders and other parties. Though their access is limited, the following people can be given the green light to view your report for one reason or another:
- Landlords
- Creditors and potential creditors
- Mortgage lenders
- Student loan lenders
- Utility companies
- Insurance companies as well as car insurance companies
- Employers
- Entities that have a court order
- Government agencies
Since the importance of credit reports is more than justified, it thus crucial to regularly ensure that information contained in the report is correct and that there are no frauds on any accounts using your name.
How to order your free credit report
The three credit companies TransUnioun, Equifax, and Experian are required by law to issue you with a free copy of your credit report once a year at your demand. You will, however, not contact the credit organizations independently. This can be achieved by the methods listed below.
Online
You can order your report at annualcreditreport.com which is a site designed by the three major credit agencies so as to provide customers with one free credit report per year. By ordering your report through this site you will receive it immediately.
The annualcreditreport.com will ask you to fill out some personal details such as your name, social security number, among other things like your current address
Phone
Another way to gain access to your credit report is by calling toll-free 1-877-322-8228 where after your report is processed it is then mailed to you in two weeks time.
A request for a credit report can be made by mail where a request form should be downloaded and filled out with all your personal details such as your name, social security numbers, previous and current addresses among other things like your date of birth. Lastly, address it to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281.
Did you find any errors?
The time you receive your credit report may be longer than the time indicated in each of the above methods, especially if the credit companies want to verify your identity thoroughly.
Once you are issued with your credit report, you may find errors which will need to be resolved as soon as possible. The following steps should be taken on discovering errors on your credit report for social security.
- You can inform the credit reporting company in writing to them and detailing exactly the information you think is inaccurate.
- You can tell the creditor that you are disputing an item and a statement dispute can be included in future reports where an investigation is yet to resolve the dispute in question.
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