Credit affects nearly every aspect of life for North Dakota residents, so checking your credit report on a regular basis is a good idea. Errors can end up on your credit file that can prove to be costly, but if you wait until you have been denied a loan to find out about them, it is too late.
How to Get a North Dakota Credit Report
North Dakota residents have a number of options for getting their credit report. Federal law allows them to get a free copy of their report every year from each of the three major credit bureaus – Experian, TransUnion and Equifax – by visiting www.annualcreditreport.com. You will not get your credit score, however, which can be a useful piece of information. At Usa Credit Report, we will also give you all three of your reports for free, but we will also include your Equifax credit score, giving you a better idea where you might stand in the eyes of a lender.
North Dakota Individual Credit Report
If you are a North Dakota resident who has used credit, you have an individual credit report. It is a compilation of all the accounts you have used over the past seven years, as well as a history of how you have handled the account. The report also shows if you’ve had any problems, such as accounts turned over for collection or judgments against you.
Companies That Check Your Credit
Any North Dakota company that can show a legitimate need can get a copy of your credit report. This includes lenders, landlords and potential employers. Residents can place a freeze on their credit file, which requires them to give express permission to the credit bureau before their credit report is released. Nonetheless, it is important that North Dakotans ensure that the information on their file is correct. Usa Credit Report will monitor your credit for you, informing you when potential harmful information is reported. This will give you time to correct errors before a company wants to see the report and use it as a basis to decide not to do business with you.