Maintaining a good credit report makes it easier for South Dakota residents to get mortgages and other loans, but errors on their report can create numerous problems. That is why it is important for South Dakotans to regularly check their credit report and have errors and inaccuracies removed.
Reviewing Your South Dakota Credit Report
It is fairly simple to get a copy of your South Dakota credit report. Federal law gives you the right to get a free copy every year from each of the largest credit bureaus – TransUnion, Experian and Equifax. Usa Credit Report will also give you all three reports for free, but in addition, we will include your Equifax credit score. You will have to pay for your scores in order to get them from the credit bureaus.
What Does Your Credit Report Tell You?
Your South Dakota credit report tells the reader how you have handled your credit cards and loans over a period of time, typically seven years. The report shows a payment history on each account, the original amount borrowed and the balance now owed, as well as whether or not payments are current. Other information on the report includes problems you may have had, such as delinquencies or judgments It typically does not include information on non-credit accounts, such as utilities, cell phone bills or rent.
Companies Who Check Credit Reports
There are a variety of companies who may want to see your credit report before deciding if they will do business with you. The list includes landlords, insurance companies and lenders. Errors on your credit report could cause one or more of these companies to make an adverse decision in your case. Usa Credit Report helps South Dakota residents ensure this doesn’t happen by monitoring your credit and informing you if any changes are made. This gives you the opportunity to get erroneous information removed from your file before it is seen. We’ll help you maintain the good credit you have worked hard to build.