With credit affecting nearly every aspect of our lives, it is important to make sure that your credit report is free of errors . However, only about 25 percent of Americans pull their credit reports each year, so most never know until they are denied credit that there are any problems.
How to Get a Credit Report in Alabama
Residents of Alabama are entitled to a free credit report every year from each of the three major credit bureaus – Equifax, Experian and TransUnion. You can obtain the credit report by visiting each of the bureaus websites, or you can simply go to Usa Credit Report where you can get all three reports at once. In addition, you can get your Equifax credit score for free. You will have to pay for your credit score if you visit the credit bureaus’ websites.
An Individual Credit Report in Alabama
Your credit report is essentially a review of the money you have borrowed and how you have paid that money back. It shows the accounts you currently have open or have had open over the past seven years, including how much was originally borrowed, how much is still owed and whether or not the account is current. It will also show if you’ve been late with any payments or if the account was turned over to a collection agency.
Who can Check your Alabama Credit Report?
It is important that you make sure that everything on your credit report is accurate because so many companies can check your credit report. Banks and other lenders certainly will, but so will potential landlords, companies at which you’ve applied for jobs and even insurance agents. Any errors on your credit report could cause you to be turned down for credit or a job, or they could cause your insurance premiums to increase.
Usa Credit Report can help Alabama residents check their credit report every year. If there are errors, we will help you get them fixed to make sure you get the credit to which you are entitled.