Annual credit report

How to Review Your Annual Credit Report Your credit report can determine whether you get a loan, the interest you pay, and can even affect your chances at getting a new job. Find out how to get your copy and what to look for. Obtain Annual 1 Credit Report Request your free annual credit report or an additional report if you were: denied a loan, insurance or a job; unemployed or fixed a mistake on your credit report. View Your Report 2 Ensure information is up-to-date and accurate. For Accuracy 8: Personal Information: Social Security Number, birthday, employment status and address Credit Information: Bank and credit accounts, credit limits. loans, balances and payment history Inquiries: Everyone who has reviewed your credit report in the past two Public Records: Collection agency actions, bankruptcies, foreclosures, lawsuits years 3 Dig Into the Details Check for wrong addresses, misreported late payments and open accounts that you closed or did not open. 4 Fix Inaccuracies File a complaint digitally or by mail to contest errors and include an explanation statement for any bad debts or missed payments for future lenders. Take Action Against 5. Identity Fraud Contact local police, companies involved with the fraud, the three credit reporting agencies and the FTC. References: identitytheft.gov myfico.com tu TransUnion.