An individual should be checking their credit report least once a year. For some an annual check is sufficient, as others prefer to do so monthly. One very important thing to remember is, you can check your credit report as often as you’d like without impacting you credit score. Furthermore reviewing your own credit report is considered a soft inquiry, and soft inquiries do not hurt your credit score. Checking your credit report at least once a year can give you the insight and knowledge into what’s affecting your credit score. It also allows you to identify any mistakes as well as helps you manage your finances.
Many individuals may not be away that you are entitled for a FREE credit report every 12 months.
Following are some key points on why you should check your credit score at least once a year:
IT’S AN IMPORTANT PART IN REBUILDING AND MAINTAING GOOD CREDIT! Reviewing your credit report at least once a year will help you make sure everything is in place when you are ready to apply for new credit. It also helps you monitor your progress as well as seeing any improvement from previous or existing credit problems.
IT’S OFTEN THE FIRST INDICATOR THAT YOU ARE AN IDENTITY THEFT VICTIM! If you have names that do not belong to you, accounts that are not your own, you may be a victim of fraud or identity theft.
IT’S THE FIRST STEP IN CORRECTING ANY INFORMATION YOU FEEL IS INACCURATE! Most of the time, individuals find that everything on their report is accurate. However, if you feel or find something is wrong you have the right to dispute the account.
We can definitely help each and EVERY situation, please give us a call at 844-FIX-URCR or http://bit.ly/csaelpappt to schedule your FREE consultation!
*Individual results may vary. Please call for more details and to discuss your own individual situation.