Everywhere you turn today, it seems someone is wanting to see your credit report, but many people fail to check their own credit report on a regular basis. In fact, only about 25 percent of all Americans review their report each year, leaving most to find out about errors on their credit report only after they have been turned down for a loan or a job.
Getting a Credit Report In Idaho
Federal law gives residents of Idaho the right to get a free copy of their credit report every year from Equifax, Experian and TransUnion, the three major credit bureaus. A website, www.annualcreditreport.com, has been set up for that purpose. However, you won’t get your credit score from that website. You can get your credit report and score from each of the bureaus’ websites, but there is a fee for that service. At Usa Credit Report, we will give you all three of your credit reports at the same time, along with your Equifax credit score, all for free.
Idaho Individual Credit Reports
A credit report is simply a compilation of all the credit card and loan accounts you have opened over the past seven years. The report will show how long each account has been open and a payment history on those accounts, including whether or not you are current with payments. The report will also show any accounts that have been sent to a collection agency and any judgements or liens against you.
Companies that Check Credit Reports
Many different companies have the right under Idaho law to see your credit report. These include lenders, landlords, employers and insurance companies. Negative information on that report may cause them to turn you down for a loan or a job or raise your insurance premiums. That is why it is important to regularly review your credit report and correct errors as quickly as possible. Usa Credit Report will do that for you, alerting you to changes on your report. Monitoring your credit is the best way to ensure that errors don’t end up costing you a great opportunity.