Good credit is very important, affecting everything from qualifying for a mortgage to getting a new job. Errors on your credit report can cause numerous problems, and yet only about 25 percent of Americans check their credit report each year. Most wait until after issues arise to find out what information their credit report contains.
How to Get A Louisiana Credit Report
Getting a copy of your Louisiana credit report is fairly simple. Each year, you can obtain a free copy from each of the three major credit bureaus – Experian, Equifax and TransUnion – at www.annualcreditreport.com. If you want your credit score as well, you will need to visit each bureau’s website, but you will be charged a fee. Louisiana law limits that fee to no more than $8. Usa Credit Report offers you the ability to get all three reports at the same time, as well as your Equifax credit score, all for free.
An Individual Credit Report in Louisiana
A Louisiana individual credit report shows how a resident has handled his credit accounts over the past seven years. The report will list such things as when the account was opened, how much was borrowed and the current amount owed. It will also reflect such negative things as delinquencies and late payments and any accounts turned over for collection.
Louisiana Companies That Check Credit
Any company in Louisiana that can show a need can get a copy of your credit report. This includes lenders, landlords, employers and insurance companies. That is why it is important to check your credit report regularly. Errors on your report could end up costing you a new job or prevent a bank from lending you the money you need.
Usa Credit Report can help Louisiana residents make sure their credit reports are always correct. We monitor your credit report regularly and alert you to any changes we find. This gives you the chance to get mistakes fixed before anyone else sees them and makes an adverse decision that costs you.