In today’s world, it is more important than ever that residents of Utah have a good credit report in order to get affordable loans, or even qualify for a mortgage at all. Checking your Utah credit report on a regular basis is the best way to ensure that errors and inaccuracies don’t end up costing you a great opportunity.
What is a Utah Credit Report?
A credit report shows how each resident of Utah has used and handled their credit card and loan accounts over the past seven years. Along with a payment history on each account, the report shows how much was originally borrowed, the current amount due and if payments are up to date. Negative information, such as delinquencies, judgments and liens, will also be shown. Non-credit accounts, such as medical bills and utilities, will only be shown if the accounts were turned over to a collection agency.
Get a Copy of Your Utah Credit Report
The only way to know if the information on your report is accurate is to get a copy for yourself. Utah residents are entitled to one free copy of their report every year from each of the largest credit reporting agencies – Equifax, Experian and TransUnion. These reports can be found at www.annualcreditreport.com. Usa Credit Report will also give you all three of your credit reports for free. Additionally, we will give you your Equifax credit score, which will tell you how likely you are to qualify for a loan. The credit agencies will charge you for your credit score.
Companies Check Utah Credit Reports
Many different companies, from lenders to insurance agencies, may want to see your credit report. Errors may cause them to decide not to do business with you. Usa Credit Report will help you make sure that doesn’t happen. We’ll regularly check your credit report for you and let you know if we find any problems. Then we’ll help you get those mistakes corrected, so you can know that anyone checking your credit will see only the good credit you’ve worked hard to maintain.