A recent report showed that nearly one-quarter of all credit reports contain errors, some large enough to be costly to the individual. That is why West Virginians need to check their credit reports regularly. Correcting errors and removing inaccuracies before problems arise is important, especially with today’s higher credit standards.
Getting a Credit Report
Federal law gives every West Virginia resident the right to get a free copy of their credit report each year from Experian, Equifax and TransUnion, the major credit bureaus in this country. Those reports can be obtained at www.annualcreditreport.com. If you also want your credit score, you can contact each of the agencies separately, but they charge a fee for that information. At Usa Credit Report, we don’t charge you for your reports or your credit score. We’ll give you all three credit reports at the same time and your Equifax credit score, all for free.
A West Virginia Individual Credit Report
An individual credit report in West Virginia is a listing of all the loans you have taken out over the past seven years, along with all the credit cards you have had in your name. The report shows your payment history on all those accounts and shows if the payments are current. A separate section shows if there are any negative public records for you, such as judgments or collection accounts.
West Virginia Companies Checking Credit
Many companies in West Virginia base their decisions, at least somewhat, on the information in your credit report. These include such organizations as lenders, insurance agencies and potential employers. That is why having a good credit report is vital. Managing your credit can be time-consuming, but Usa Credit Report can help. We’ll monitor your credit file for you, alerting you when potentially harmful information is posted. Knowing about inaccuracies early can give you the time you need to get them fixed before problems arise.