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Each person is entitled to their free credit
reports yearly. These contain the most important elements from the
three credit reporting agencies, Experian, Equifax and Trans Union.
Free credit reports are easily obtained these days; there is no reason
for you not to have yours.
Free credit
reports are clear and easy to understand. They show in detail all opened
and recently closed accounts, indicate any late payments, and even
reveal fraudulent activity. While not every part of your FICO score is
available for free, this over all credit rating number can be obtained
by a little more research and a small expense.
The information on these reports is
available to all your creditors and lenders. You should be just as
informed of your spending and debts as anyone else, even more so. It is
your right to obtain free credit reports and educate yourself of the
whole financial picture. |
