Your credit report is important in many ways, what it contains on it is of equal importance.
Your report and score are used by lenders of many types who take it into consideration before offering or approving any type of loan or financial benefit to you.
What your score says about you and your payment history will determine the type of loans you will get and at what interest rate.
How to get your credit report and score is simple if you follow the steps below.
Step One: Obtaining your credit score and report is a lot easier these days than in the past.
Just log on to any reporting angency website, they all offer either free or paid services to obtain all three of your reports and scores from the three major reporting agencies such as Experian, Transunion, and Equifax.
Step Two: Once you log on the one of these websites, you will need to give them some basic information about yourself such as your name, social security number, current address, etc.
Your credit report and score if it is free will be provided to you online instantly so you can print it out or download it to your computer.
You also may have the option of having it mailed to your current address.
Step Three: Check your credit report for any inaccuracies that it may contain and report this immediately to the credit bureau.
If you see any unauthorized activity on your reports, you should contact your local authorities and put an alert out.
Checking your credit report annually or signing up for credit monitoring services will help to prevent identity theft in the future.