According to recent studies, one in four credit reports contain errors, but nearly three-quarters of Americans do not check their credit reports on a regular basis. Oklahoma residents who are part of that large group could end up being denied a loan or losing out on a job due to inaccurate information on their credit file.
How to Check your Oklahoma Credit Report
It is not difficult to check your Oklahoma credit report. Federal law entitles you to a free copy of your report every year from each of the three major credit bureaus – Equifax, TransUnion and Experian. However, these reports won’t include your credit score. You can also contact each credit bureau and pay to get your report and score. A better option is to use Usa Credit Report. We will give you all three credit reports for free as well, but we’ll also give you your Equifax credit score, giving you a better idea how lenders would view you as a customer.
What is an Oklahoma Credit Report?
A credit report is a listing of all the credit card and loan accounts used by an Oklahoman over a period of time, usually seven years. The report shows a payment history of those accounts, the balance owed and whether or not payments are current. It also shows negative records such as delinquencies, judgements or bankruptcies. Additionally, your report will show who has recently requested to see your credit file.
Who Can See Your Oklahoma Credit Report?
Any company that can show that they need to know how you handle your credit can get a copy of your Oklahoma credit report. This includes such companies as lenders, insurance companies and landlords. With so many organizations being able to make decisions based, at least in part, on your credit, it is important to be sure it always correct. Usa Credit Report will take that worry away, regularly monitoring your credit file and alerting you if changes are made. You will then have time to get mistakes fixed so they do not cause you problems in the future.