Sunday May 22, 2022

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Free On Line Credit Score
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A Free On Line Credit Score is available to consumers, along with a your credit summary when you sign up for a Free 7 day credit monitoring trial. When you receive your Free On Line Credit Score, you can check your credit history to make sure it is accurate.

There are five different sections to check when you get your free on line credit score and summary. It is important to check all five of these sections because any information that is incorrect could lower your credit score - and ending up costing you money.

Your Credit Report can be accessed immediately upon verification of your identity. Reports can also be printed out off of your computer.

Here are the five sections of your Credit Report that should be carefully checked: Your credit report provides your credit history as it has been reported by lenders to one or more of the three credit bureaus, Experian, TransUnion, and Equifax. Let's see what information is typically contained in your credit report.

  1. Personal Profile (Name, Address, Social Security Number, Birthday, Employment Info) This is an important section of your credit report to check as any inaccurate information could be damaging to your credit profile.
  2. Credit Summary - An overview of your current and past credit status, including the total number of open and closed accounts in your name, the balances, and delinquencies. This includes the different types of credit accounts that you have including installment accounts, retail credit card account, real estate mortgage loans, etc.
  3. Account History - This section of your credit report contains specific account information about each credit account you have opened in the past.
  4. Public Records - State, Federal, and County records on Bankruptcies, foreclosures, suits, wage attachments, liens, judgments, overdue debt from creditors/collection agencies, etc.
  5. Credit Inquiries - A record of who has obtained a copy of your credit report. Inquiries remain on your report for up to two years.

What do you do if you discover information on your credit report you believe to be inaccurate? See Make Sure Your Credit Report is Accurate

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