Millions of Americans have errors on their credit reports, some serious enough to cause problems, but only about 25 percent of Americans take the time each year to check their credit reports. Residents of Maine need to regularly review their credit file to make sure that if it does contain errors, they are corrected before issues arise.
Getting a Credit Report
Getting a credit report isn’t difficult for a Maine resident. A free copy of the report is available each year from Equifax, Experian and TransUnion. These can be obtained by visiting www.annualcreditreport.com. Residents can also visit each bureau’s website, where they can get both their credit report and score, although not for free. At Usa Credit Report, Maine residents can obtain all three copies of their credit reports for free. We will give you your Equifax credit score for free as well.
What is a Maine Credit Report?
A credit report for a Maine resident is a compilation of all the credit card and loan accounts he has used over the past seven years. It shows a payment history of each account, any late payments that were made and whether the account is current on payments. The report also lists negative activity such as accounts turned over for collection and judgements against you.
Companies Who Check Maine Credit Reports
There are many different companies who may need to see your credit report, including potential employers, lenders and insurance companies. You must give your permission in writing in order for them to get your credit report, and they have to inform you if they use the information on that report to take any adverse action on your application.
Regularly checking your credit report is vital, and Usa Credit Report can help you do that. Our monitoring service will alert you as soon as changes appear on your credit file, giving you the chance to get errors corrected quickly and maintain a good credit report.