Personal Credit Report - Give Your Personal Credit Report A Makeover
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Give Your Personal Credit Report A Makeover
You don't know how important your personal credit report is until you get that sinking feeling when the banker tells you that your home loan didn't go through because of information contained in your personal credit report was less then glowing.
But getting your personal credit report back in shape doesn't need to be difficult if you know the proper steps to go through in giving your personal credit report a makeover.
Fortunately with all the credit bureau services online, getting your personal credit report information is only usually a few clicks away. One thing to be accutely aware of about your personal credit report is that you have to deal with 3 credit bureau's. They are, Experian, Trans Union, and Equifax.
Not all of these credit bureau's rate your credit scores the same so you have to pull your personal credit report from all 3 to get a clear picture of your current credit score. If this seems like a hassle... don't worry, as their are services online that you can access all 3 of your personal credit reports at one time.
They are known as 3 in 1 credit reports.
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- ShortSaleRealtor ShortSaleRealtor Dec 17, 2007 @ 1:22 pm
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How To Start Your Personal Credit Report Makeover
Some state laws now dictate that their residents can get at least one personal credit report annually. Usually you can find out that information online with the major credit bureaus if your State is eligible for your one free annual credit report.
Even though you may be allowed to get your one annual free credit report, it is wise to pay for a 3-1 annual credit report as this will include your credit history from all three major credit bureaus.
Once obtained, you should review all three credit reports for their accuracies. You should check for any discrepancies in payoff dates, on-time payments, applications for credit (to make sure no-one is using your information to apply for credit), etc..
If you find a problem, then it is imperative that you take action to clear up these matters as soon as possible to avoid possible problems with any big purchases you may be thinking of making in the near future- like a home mortgage or car loan.
I will touch on some of the possible solutions to these problems in my next update.
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Personal Credit Report Typical Problems
First off, make sure all your personal information is correct- like your full name, current address, phone numbers, etc..
Then start to get into the details of your personal credit report like payment histories, late payment listed, payoff dates, accounts noted, bankruptcy listings, dispute resolutions, previous account histories.
All of these items are subject to having some form of errors, whether generated by a human or computer that may need to be resolved.
Just one error on your personal credit report may cause your FICO score to be affected to the point that it may be a factor in you getting a loan or lower interest rates.
Some may be easy to fix, while other serious issues (like fraudulent activity on your account) can become a nightmare to clear up. That is why it is imperative that you take the time to review your personal credit report annually.
I will cover in more details on my next post on what you can do to resolve these problems if you have spotted them on your personal credit report.
Resolving Problems On Your Personal Credit Report
There are various ways to rectify problems from you personal credit report from calling or writing the credit agencies yourself, to purchasing services from so-called credit repair agencies.
But beware if you go the credit repair agency route as these types of services have their hucksters out their promising you the credit moon. So it is best to check around first and review any complaints that may have been reported on any credit repair agency that you may decide to go with.
It is imperative that you as the consumer know your credit report rights and you can find some great information at http://www.consumeraction.gov/caw_credit_resolving_problems.shtml. They go into detail how to go about clearing up typical credit reporting problems.
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