Your credit score is your financial report card. This three digit number controls almost every financial decision you will make, from leasing an apartment to buying a car and even getting a job. Understanding your credit score is key to maintaining a healthy credit profile.
How to Get a Credit Report in New Jersey
Getting a credit report in New Jersey is simple. There are many online companies that will allow you to access your report instantly. Simply provide the necessary information and get instant access to your complete credit history and score. Find out what accounts are current and which are past due. Experts recommend you access your credit report at least once a year. Check your score more often if you are planning to make a major purchase like buying a home.
Individual Credit Report in New Jersey
Your individual credit report will reflect several things. First, it will give a history of your current and past due accounts. Second, it will list information about closed accounts, paid off accounts and credit inquiries. If you have any legal accounts such as bankruptcies, liens and judgments, these will show up on your credit report as well.
New Jersey Company Credit Check
Many employers will check your credit before offering you a job. Checking your credit is a means for your employer to determine contentiousness, trustworthiness and responsibility. The theory goes that people with lower credit scores tend to perform poorly on the job or may engage in dishonest acts. Even though a person with a poor credit score may make an excellent, honest employee, hiring managers still rely heavily on this data in their hiring decisions.
Don’t remain in the dark about your credit score. Get a copy of your credit report today and take steps to ensure your financial future.