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The following article was published in our article directory on November 11, 2011.
Learn more about SpinDistribute Article Distribution System.
Article Category: Finances
Author Name: chickie maxwell
How to Get a Credit Report through Credit Reporting Agencies
Obtaining a credit report is essential to purchasing any major item. To obtain a mortgage, car loan or signature loan, a credit report is required. A credit report is even required to rent an apartment or obtain a job. Good credit is essential to the success of an individual's livelihood or lifestyle. Unless you are paying cash, buying an item with poor credit will cost more. Obtaining a higher paying job is also difficult with poor credit. Monitoring the credit report at least once per year is recommended. The federal government agrees and offers one free credit report annually.
There are several options for obtaining a credit report. Many people will inquire with each credit reporting agency to obtain a report. A fee may be associated with obtaining the report if the free annual report has already been obtained. The three reporting agencies are Equifax, Trans Union and Experian. These credit reporting agencies are typically checked by lenders and employers for consideration for a loan or a job.
The second option is to inquire with a third party agency that will offer a free credit report to an individual if they sign up for a trial period. This company will provide a synopsis of the credit report from all of the agencies and typically, a full report from one of the agencies. An upgrade is required to obtain all three credit reports. Some of these companies are reputable and other companies are not. Ensure that they provide what they promise to provide prior to signing up. It is your right to obtain a free credit report each year. If they do not provide what you are entitled to receive, then the company is not reputable.
Consumers should monitor their credit reports for discrepancies. Many people have been the victim of fraudulent behavior, identity theft or errors on the credit report. These unwanted errors prevent clients from obtaining items that they want or need. If you do not check your credit report periodically, you will not know of the errors until you are actually sitting in front of a lender and your application is denied due to an error on your report. Once an error is detected, consumers should contact all three credit reporting agencies immediately to rectify the situation.
Credit reporting agencies usually have disputing mechanisms built into the credit reports that they display online. Once the item is disputed, credit reporting agencies will remove the items. Some people will have to hire an attorney to facilitate the removal process. If the creditor does not respond to the credit reporting agencies request about the error, the item will be automatically removed due to non-responsiveness.
Consumers should be aware of the process if he or she ever has to use the system. Studies have shown that errors on credit reports are quite high and numerous people have fallen victim to this problem. For this reason, consumers should maintain a good relationship with these agencies to ensure that items will be removed in a timely fashion if necessary.
For your knowledge, credit scores range from 350 to 850. Credit scores that are 700 or above typically are looked upon favorably by lenders and employers. Credit scores below this amount will be examined by these institutions more carefully. Consumers should make every effort to maintain a good credit score. Bad credit scores may force an individual to live a lifestyle that is not preferred by the individual. Check all three credit agencies annually for the best results.
Keywords: credit reporting agencies
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