Knowing that your credit report is accurate is so so important. When you apply for a credit card, a loan for a car, a loan for a house, the interest rate, or even your approval, is determined by your credit score. Which is determined by the information on your credit report. Which is increasingly inaccurate in this day and age of identity theft. My original inspiration to check mine was when Michelle posted about how someone had bought a house in her name when she was nine-years-old. Despite the obvious error, she still had trouble getting it removed.
So I checked mine. And thank goodness it’s clean. Everything on there is stuff that I have done. In the US, you can check once a year with each of the three crediting agencies: Experian, TransUnion, and Equifax. You can get the reports for free, no strings attached, at annualcreditreport.com. Heard about it in an interview on the radio. No affiliations. It’s so important to check it out.
You can check for free once a year (as in a 12-month period.) Some people prefer to stagger them every four months…check Experian in January, TransUnion in April, Equifax in August, or some mix like that. That way if something fishy’s going on they catch it right away.
Have you checked your credit report lately? Found anything obscenely wrong? Experiences fighting the man to get it removed?