Tennessee residents know that good credit is vitally important, but many fail to take the simple step of regularly checking their credit report. They don’t find out until it’s too late that some of the information on their report is inaccurate, and they end up getting turned down for a loan or losing out on a job. Periodically checking your Tennessee credit report is the easiest way of preventing mistakes from causing you unexpected problems.
Getting a Credit Report
Getting a Tennessee credit report is not difficult. A free copy of your report can be obtained at www.annualcreditreport.com, a website set up under federal law. Reports from all three of the major credit bureaus – Experian, TransUnion and Equifax – are available at that website, but you will not get your credit score. You can contact each agency and pay for them to give you both your report and your score. At Usa Credit Report, we won’t charge you for your credit reports. You’ll get all three copies, and we’ll even give you your Equifax credit score for free.
Individual Credit Reports in Tennessee
Any person in Tennessee who has had a credit card or loan in their name has a credit report. It shows how you have used those accounts, including a payment history and the current status of the account. Your Tennessee credit report typically shows activity over the past seven years. It also shows if you’ve had any problems with credit during that time, including accounts turned over for collection or if you’ve filed for bankruptcy.
Tennessee Companies That Check Credit
Lenders in Tennessee will usually check your credit report before they decide if you qualify for a loan, but they are not the only companies who may want to see your credit. Others who might include landlords and insurance companies. Making sure your credit report is accurate is the best way to ensure that you are not having to pay too much for credit or insurance. Usa Credit Report takes the worry out of managing your credit. We monitor your credit file and alert you when changes are made. We’ll also help you get errors corrected before problems arise, helping you maintain the good credit you need.