With everyone from potential employers to insurance companies checking your credit, having good credit is essential to being able to do the things you want to in life. However, only about 25 percent of Americans regularly check their credit report to ensure that everything is accurate. Errors on your credit report can lead to numerous problems, such as being turned down for a loan or a new job.
Getting a Credit Report in Alaska
Alaska residents are entitled to a free credit report each year from all three of the major credit bureaus – Experian, TransUnion and Equifax. This does not include a credit score, since that is not considered part of the actual report. Alaskans can get their reports by visiting each bureau’s website, or by going to the website created under federal law, wwww.annualcreditreport.com. Easier still is to visit Usa Credit Report, where you can get all three reports at the same, as well as your Equifax credit score, all for free.
What is an Individual Credit Report?
A credit report is a compilation of all your credit cards and loans, showing how much you owe and whether or not your account is current. It also shows the payment history on your accounts, as well as any bills that have been sent to collection agencies. It is important to ensure that all this information is correct. Usa Credit Report can help you by regularly monitoring your credit accounts and alerting you to changes and potentially harmful information so errors can be corrected quickly.
Checking Your Credit Report
Under federal law, a number of different companies have the right to check your credit report. These include lenders, landlords, employers and insurance companies. That is why it is important to make sure that your report is free of errors. Waiting until erroneous credit information has cost you a loan or a job is not a good idea. Review your credit report regularly and take action quickly when you find errors in order to maintain the good credit you need.