Free credit report annual Alabama

In fact, dont be free credit report annual Alabama afraid to challenge anything thats even remotely questionable on your score. If they dont investigate your claim within an alloted amount free credit report annual Alabama of time you are given the benefit of the doubt by default. Often times they will get backed up and wont have time to get to your claim fast enough, whether it was legitimate or not.

It is always a good idea to review your credit score. Its also a good idea to keep your credit score up to date.

According to the Motley Fool site ( http://www.fool.com/ccc/check/check02.htm?terms=credit+score&vstest=search_042607_linkdefault ) there free credit report annual Alabama are five things that make up your credit score.

Past payment history (35%), Amounts currently owed (30%), how long youve been using credit (30%), how much credit youve applied for recently (10%) and finally whether you have a large proportion of your credit free credit report annual Alabama on unsecured loans (10%). three free credit report I used the free annual credit report service online. They allow you to access the BIG 3 credit bureaus and obtain a report. I agree there was some unnecessary red tape that you had to go through to complete the process, but I was not disappointed in the end results of the transaction. The most valuable lesson I learned from receiving the credit scores was finding out how each company differed in their ratings and data they had listed regarding my payment history. For instance, Equifax had details of a free credit report annual Alabama charge off from many years ago that I thought my ex husband paid off after we were divorced. Also, I had a little bit of fun going through their verification process and selecting specific information that related to me or did NOT relate to me. get credit reports They ask you questions about addresses and purchases in your past and you have to identify what seems familiar, and you have to answer by way of multiple choice. After you have requested your credit report, be prepared to free credit report annual Alabama be contacted by any past creditors that you owe money to . Credit report inquiries do show up in your credit history along with the information you submitted, such as your most recent address and phone number, and the place you applied for credit, if applicable. After I received my information, I discovered invalid information on my credit history.

I filed a dispute regarding a purchase from a mail order company that I did not make. The balance due had free credit report annual Alabama been turned over to a collection agency. After I ran my report, I received a letter in my mailbox indicating they wanted to settle the account. It took me three months to get this false information cleared free credit report annual Alabama up. free online credit report check If you are trying to hide from your creditors, I dont recommend drawing the extra attention to yourself.

If you are curious about what may be lurking on your credit report, such as false information, I urge you to go now and get your report. The title of the post would be more accurate if it had said how to get your credit report (not score) for free. But that doesnt detract from the gist of the message: Get your darned credit report every year and check it over.