How Long Does.It Take For A Card Charge To.Fix Free Credit Report – Stay On Top Of Your Credit Rating

You are searching about How Long Does.It Take For A Card Charge To.Fix, today we will share with you article about How Long Does.It Take For A Card Charge To.Fix was compiled and edited by our team from many sources on the internet. Hope this article on the topic How Long Does.It Take For A Card Charge To.Fix is useful to you.

Free Credit Report – Stay On Top Of Your Credit Rating

Getting a free credit report once a year is smart. In today’s world whether you like it or not many people judge you by your credit score. Loans cost more with bad credit, car insurance costs more and it can be harder to get a job or a promotion because of your credit score.

With the price of everything going up so quickly why not try to save some money by improving your credit score? How can you improve it if you don’t know what it is? Every 12 months you are entitled to a free credit report, search online to find the website offering the free credit report. You are entitled to receive one free credit report every 12 months from each of the nationwide consumer credit reporting companies – Equifax, Experian and TransUnion.

Only Equifax, Experian and TransUnion can supply you with your credit report, these three companies are the three nationwide credit reporting agencies, no one else has access to or can supply you with your credit report. Many companies and advertisements say that they will supply you with your credit report but usually at a cost. Often times you will see these offers when signing up for a service which is charging your credit card for something and they will monitor or help you monitor your credit for a monthly or quarterly charge. They hope that you are in the buying mood and will sign-up without much thought and then forget to cancel for at least a few charges.

The Fair and Accurate Consumer Trade Act (FACTA), a revision of the Fair Credit Reporting Act, provides for one credit report every 12 months from each of the three credit reporting agencies IF you have not received a report in the past 12 months. The public, the government and many consumer groups felt that your credit report was so important and effected so many facets of a person’s life that it was only fair that people be given access to it free of charge.  

With your credit score being so important, you do need to know how to interpret the information you receive. You need to see your report through the eyes of a lender, creditor or employer. How does it picture you? You can get yours here http://www.annualcreditreport.com.

Most people don’t know much about their credit score or what effects it or how. Did you know that repeated “pulling” of your credit report can lower your score by as much as four points per “pull”! Ouch! It makes you think twice about shopping around for a loan or credit card. No bank, mortgage lender, credit card company or retailer will lend you anything without checking your credit score and if you didn’t know that these checks could hurt your score it could cost you a lot of extra money in interest or missed opportunities and take a long time to fix.

Many times it isn’t made clear that responding to an internet ad or phone solicitation will result in a credit inquiry which in turn can lower your credit score even if you really had no intention of accepting the offer. This is just on example of what many people don’t know about their credit score.

Many don’t know that a maxed out credit card, even if the minimum monthly payment is always made on time, can hurt your score. If you read the fine print of a credit card application you will usually find a line saying if your credit score goes down for any reason they can raise your interest rate. Most people think just having a credit card is good for their credit, but the companies track how you use that credit, having a minimum balance of less than 30% of the available balance can help your credit score.

The free credit reports need to be used as a tool. You need to read the fine print to determine how you got to where you are. If there are any discrepancies or a dispute you need to address them with the reporting bureau immediately. Most people don’t realize that their credit score is made up of your payment history as 35% of your score, the amounts owed count as 30%, the length of your credit history counts as 15%, new credit is 10% of the score and types of credit in use count as 10%.

People should be concerned about what their credit report is costing them and not knowing is not the answer. It is easy to get some knowledge about what makes up your credit history, find out where your credit ranks now and put together a plan to get it where you want it to be. Your future and that of your family’s will be effected by your credit score and any extra money you are having to pay because of it.

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