No matter how well residents of New York handle their credit, errors can end up on their credit file that can prove to be costly. That is why it is important to regularly review your credit report and address errors as soon as you find them. Waiting until you have been denied a loan or turned down for a job is too late.
What is an Individual Credit Report?
Every person in New York who has used credit has an individual credit report. It is simply a listing of the accounts you have used and how you have used them. The report shows your payment history, any late payments on the account and the amount currently owed. It will also list negative information, such as liens, accounts turned over for collection and bankruptcies.
Getting an Individual Credit Report
To get a copy of your report, you can go to www.annualcreditreport.com, a website set up by the three major credit bureaus – Experian, Equifax and TransUnion – to comply with the federal law that requires each of them to give you a free copy of your report each year. If you also want your credit score, you will have to contact the bureau directly, but they do charge for that information. Better still is to go to Usa Credit Report. We will give you all three credit reports for free as well, but we will also include your Equifax credit score, also at no charge.
New York Companies That Check Credit
There are many different New York companies that may want to see your credit report, including landlords, insurance companies and lenders. Even potential employers may want to see the report. That is why it is so important to ensure that the information they are seeing is accurate. Usa Credit Report provides you with the peace of mind in knowing that your credit report is correct by monitoring your file and alerting you to changes as soon as they appear. This will give you time to get erroneous information removed before it can cause you any financial harm.