Kansas residents are finding that their credit affects more aspects of their lives each day. Having good credit makes it easier to get a mortgage or other loan, rent an apartment and even get a new job. Checking your credit report regularly is the best way of making sure that errors are corrected before problems arise.
Getting a Kansas Credit Report
There are many ways a Kansas resident can check his credit reports. You can obtain a free copy each year from each of the three major credit bureaus – Equifax, TransUnion and Experian – at www.annualcreditreport.com. You can also go to each bureau’s website and for a fee receive both a credit report and score. At Usa Credit Report, we will give you all three of your credit reports at the same time for free. We’ll also include your Equifax credit score, also for free.
Individual Credit Reports
Anyone in Kansas who has used credit will have an individual credit report. It is simply a listing of the various loans and credit card accounts you have used during the past seven years, along with a payment history of each account. Other information on the report will include such things as delinquencies and judgements that have been entered against you. Your credit report will not include information on non-credit accounts such as utilities, cell phone bills or rent.
Companies That Check Credit Reports
There are several different companies that may have a reason to check your credit history, such as lenders, landlords and insurance companies. They usually must get your permission before they get your credit report, and they must inform you if they take adverse action based on that credit report.
Reviewing your credit report regularly is important, and with Usa Credit Report’s monitoring services, you won’t have to worry about errors staying on your credit report. We will alert you to any changes in your credit file and help you take action to get mistakes fixed before it’s too late.