Errors on your credit report can cause numerous problems, but only about 25 percent of Americans check their credit report each year. Most wait until after they have been turned down for a loan to find out that there are mistakes on their credit files. Delaware residents need to review their credit reports on a regular basis to be sure that errors are corrected before problems arise
How to Get A Delaware Credit Report
Under federal law, Delaware residents are entitled to a free copy of their credit report every year from each of the three major credit bureaus – Equifax, Experian and TransUnion. You can get those reports at www.annualcreditreport.com. However, those reports will not show your credit score. You can get your credit report and score from each of the bureaus, but they charge a fee for their service, and you must contact each of the bureaus separately. At Usa Credit Report, you can get all three credit reports at the same time for free. You4Equifax credit score will be included, also at no charge.
A Delaware Individual Credit Report
Every resident of Delaware who has used credit has an individual credit report. It is simply a listing of all credit card and loan accounts you currently have or have had over the past seven years. It shows a payment history on those accounts, as well as any delinquencies or accounts that have been turned over for collection. It does not show payment histories on any non-credit bills you may have, such as utilities or rent.
Who Can Check Your Credit Report?
Under Delaware law, a number of companies are permitted to request a copy of your credit report, including lenders, landlords and potential employers. State law allows residents to place a freeze on their credit file which requires you to contact the credit bureau before they can release your credit report. This will prevent anybody from obtaining a copy of your report without your knowledge.
With credit affecting so many aspects of life, it is important that you review your credit report regularly. Usa Credit Report will do that for you, monitoring your credit file and informing you of any changes. You can then act quickly to correct errors before problems arise.