Chances are, for one reason or another, you probably need an updated credit report. That being said, credit reports are very common in most adulthood situations you enter counter now such as: renting a home or apartment, purchasing a new home/property, applying for a new job or applying for a new credit card. Let’s not forget reviewing your credit report can also help you catch and identify signs of identity theft.
Federal law encourages that you review a copy of your credit report at least every 12 months from each credit reporting company. It is also important to make sure all listed information on your report is accurate and up to date. The following companies that the Fair Credit Reporting Act also known as the (FCRA) require to distribute you a free copy upon your request every 12 months are: Experian, TransUnion and Equifax. Your credit report is protected by law and must be accurate and kept private. You should find proper information regarding but not limited to: bill payment methods, your address and other banking information such as bankruptcy fillings or lawsuits held against you.
To learn more on laws, regulations and how to apply for a copy of a newly updated credit report please visit the following site here: https://www.annualcreditreport.com/index.action