Regularly checking your credit report is a good idea, but residents of Mississippi may not know how to do this. Federal laws implemented in the past 10-15 years make it much easier for Mississippians to review their credit file and correct errors. It is especially important to do this before applying for credit, so that inaccurate information doesn’t cause you to be turned down.
How to Get a Credit Report in Mississippi
Mississippi residents can to to www.annualcreditreport.com, where they can get a free copy of their credit report each year from the three major credit bureaus – Equifax, TransUnion and Experian. However, those reports will not show your credit scores. To get that information, you have to contact each credit bureau and pay a fee. At Usa Credit Report, you can get all three reports for free at the same time. We will also include your Equifax credit score at no charge.
An Individiual Credit Report in Mississippi
Each Mississippi resident who has used credit has an individual credit report. It is a listing of all the accounts you have used over a period of time, typically seven years. The report provides information about the way you have handled those accounts, including a payment history and whether or not you’ve been late with payments at any point. The report will also list such negative information as bills that have been turned over to collection agencies and court judgements entered against you.
Mississippi Companies that Check Credit
Many companies in Mississippi check your credit. This includes potential employers, lenders and even insurance companies. Knowing how you handle your credit helps them understand whether or not you are someone with whom they want to do business. Mississippi residents can place a freeze on their credit file, which prevents the release of their credit report without their express permission to the credit bureau.
Knowing what is on your Mississippi credit report is important. Usa Credit Report can help you stay on top of it by monitoring your credit file and notifying you when changes are made. This will give you time to fix errors and address identity theft before problems occur.