Pennsylvania residents see television ads every day encouraging them to check their credit report to ensure that there are no errors on it, but many are not doing so. Waiting until you have been turned down for a mortgage or see your insurance premiums raised due to these mistakes can be very costly. Pennsylvanians should take the time to check and understand their credit report so they can correct mistakes and prevent problems.
Getting a Credit Report in Pennsylvania
Getting a credit report is quite simple. You can visit www.annualcreditreport.com, where you can get one free copy of your credit report every year from each of the major credit bureaus – Equifax, TransUnion and Experian. You can also go to each bureau’s website, where you can get your credit score in addition to the report, but it will not be free. Another choice is to visit Usa Credit Report, where you can get all three credit reports at the same time for free. In addition, we will give you your Equifax credit score at no charge.
Understanding Your Pennsylvania Credit Report
Knowing what your credit report is telling you is also important. This report shows how you have handled your credit and loan accounts over the past seven years, including a payment history and balances owed. It also contains information on any accounts turned over for collection or bankruptcy filings. It does not include anything about non-credit accounts, such as utilities or rent.
Pennsylvania Companies Checking Credit
Pennsylvania law gives any company who can demonstrate a need, such as a lender or landlord, the right to get a copy of your credit report. It also gives you the right to put a freeze on your credit file, so your report can only be released if you give your express permission. This will help prevent identity theft and reduce the chance of errors on your report. Usa Credit Report can also help, by monitoring your credit file for you and alerting you when potentially harmful information is added. The sooner you know about errors, the better chance you have of getting them corrected before they cause problems.