Errors on your credit report can be costly, but only about 25 percent of Americans check their credit reports each year. That means most are waiting until they are turned down for a loan or can’t rent an apartment before they review their credit. By the time they get errors corrected, the opportunity they were pursuing may well be gone.
How do Arizona Residents Check Their Credit?
Arizona residents have a number of options for checking their credit report. They can go to the websites for each of the three major credit bureaus – Equifax, Experian and TransUnion – but they may have to pay for the credit reports. They can get a free report from the three bureaus every year at www.annualcreditreport.com, but those reports won’t contain a credit score. At Usa Credit Report, Arizonans can get all three credit reports at once, along with their Equifax credit score, all for free.
What Does a Credit Report Tell You?
Every Arizona resident who has used credit has an individual credit report. This report contains information on all loans and credit cards a person has used over a period of time, generally the past seven years. It also shows the payment history on those accounts, as well as any public records for that person, such as liens, judgements and bankruptcies. Because negative information on this report can cause so many problems, Usa Credit Report will regularly monitor credit reports for Arizona residents and alert them when changes are made so errors can be quickly corrected.
Who Can See Your Credit Report?
Many different companies can request a copy of your credit report. These include landlords, lenders, insurance companies and employers. If you are denied a loan, lease or a job because of negative information on your credit report, that company must tell you and inform you which credit report they used. However, by that time, it is too late to fix any errors and save the situation. Monitoring your credit regularly can save many problems down the road.