It Pays to Check Your Credit Report

The FTC recently completed its fifth national study on the accuracy and completeness of consumer credit reports. A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued, or have filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

Overall, one in five people who participated in the survey found at least one potentially significant error on at least one of their credit reports that was subsequently corrected by Experian, Equifax, or TransUnion. The good news: After completing the dispute process, some people saw improvement in their credit score. A higher credit score means you’re likely less of a risk, and in turn, means you’ll be more likely to get credit – or pay less for it.

So you see, it can pay to check your credit report. It doesn’t take much time, and you can do it for free.

If you notice something wrong, contact the credit reporting company and business providing the information to correct the error. You want to make sure everything is accurate – especially before you buy a  house or a car, or apply for a job.

So take a few minutes to review your credit report today. It may save you some money and frustration.

Blog Topics: 
Money & Credit


I HAVE (in the past 7-8 yrs) ,received civil warrants and also been notified even during the past 2-3,months. That I have ran up ,$$ with all of my stolen information, I am and definitely whomever or whoALL have stolen my idendity WILL PAY, I do have an Attourneys.,& I honestly have an about a 85-90%, exeact idea of Who/Whom have done this horrible crime to my private information.

What do you do if you request free credit report and they never send it?
what do you do when you REfill and Resend the form and ...once more, they never send you your "free credit report"?
And...I still want my "free report"!

I just want a credit report

if a debt is no longer on credit report and the statue of limitation is considered "time barred" why do these so called mean collectors keep calling? Talk mean threats and lieing about being sued in court and BETTER gte in touch with these so called debt collectors. They even call by non human talking its a recording. How does one stop the harassing calls and letters? If its not on my credit report it does not exist.

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