Nebraska residents see ads on television every day reminding them of the importance of checking their credit report, but many fail to do so. A recent study showed that about one out of every four credit reports contain errors, so it is important that Nebraskans take the time to check their credit reports and fix any mistakes before problems arise.
Getting a Credit Report in Nebraska
Residents of Nebraska can get their credit reports in several different ways. To get the free copy of your report to which federal law entitles you, go to www.annualcreditreport.com. You will be able to get reports from all three major credit bureaus – Equifax, Experian and TransUnion – but you will not get credit scores. You can get both your report and score from each of the bureaus, but they do charge a fee. You can also visit Usa Credit Report, where you can get all three of your credit reports for free, as well as your Equifax credit score, all in one place, all for free.
Individual Credit Reports
A person’s credit report details how they have handled borrowing and credit over a period of time, usually seven years. The report lists the accounts that you have used, as well as how you have paid and what balances you owe. If you have had problems, such as delinquencies or accounts turned over for collection during that time, the report will reflect that as well.
Nebraska Companies Check Credit
There are many Nebraska companies who check credit reports, including insurance companies, landlords and lenders. Errors on your report can lead any of these companies to decide not to do business with you or to charge you a higher interest rate or premium. Usa Credit Report can help make sure that doesn’t happen to Nebraskans. We’ll monitor your credit file and alert you to changes as soon as they happen, giving you time to correct errors before problems arise.