Regularly checking your credit report to ensure that there are no errors on it is a good idea for New Hampshire residents. Inaccurate information, such as accounts that aren’t yours or outdated information, could result in you being charged a higher interest rate on a loan or being denied the loan altogether. It is recommended the New Hampshire residents review their credit report at least once a year.
Getting a Copy of Your Credit Report
It is not difficult for New Hampshire residents to get a copy of their credit report. All three of the major credit bureaus – TransUnion, Experian and Equifax – are required under federal law to give you a free copy of your report each year, which can be found at www.annualcreditreport.com. You can contact each bureau individually to get a copy of your report and your credit score, but you will be charged for it. Usa Credit Report has combined the best of these options, by offering you all three of your credit reports at the same time for free. You will also get at no charge your Equifax credit score.
New Hampshire Individual Credit Reports
A New Hampshire individual credit report is a compilation of the credit card and loan accounts you have used over the past seven years. It shows how you have paid on those accounts, the current balance owed and if the acccount remains open. The report also shows public records for each resident, such as judgments, liens and accounts turned over for collection. Finally, it lists companies that have recently viewed your credit report.
Companies that Check Your Credit Report
Most New Hampshire residents expect a lender to check their credit if they apply for a loan, but they may not realize that there are others who check their credit as well. This might include employers, landlords and insurance companies. Residents can put a freeze on their credit file, preventing anyone from getting a copy of their credit report without their express permission. With so many companies using your credit when making business decisions that concern you, it is important to make sure that the information is accurate. Usa Credit Report will monitor your report for you, alerting you when changes are made so that you can quickly correct errors and prevent problems in the future.