Annual Credit Report


Have you seen your credit report lately? Your credit rating is like a financial report card – 87% of Americans have no idea what’s in their credit report. It can determine if you qualify for a lower interest rate on your mortgage. The following steps can help you learn about and protect your credit history.


Step 1: Find out where you stand

Ideally, you should examine your credit report every two or three years to ensure it’s accurate. By some estimates, as many as 40% of credit reports contain inaccuracies. If yours is incorrect or outdated, it can affect your chances of getting credit when you need it most. To obtain your credit report at no charge, visit the official site to help consumers to obtain their free credit report:


Step 2: Clean up your credit information

If you see an error in your credit report, ask the credit-reporting bureau to correct it. For example, if your credit report shows past-due accounts that are paid up, simply provide written proof of payment and ask the credit bureau to correct the disputed items.


Step 3: Rebuild your credit

If your credit report shows past-due accounts, negotiate with creditors for a reduced payment schedule. Or arrange a loan that consolidates your debts, leaving you with one affordable monthly payment.

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Annual Credit Report

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