All Three Credit Reports - Three Mistakes You Can Never Make
There are three mistakes that every person makes that requests a free credit report.
These are common mistakes that are simple to do, but may keep you from actually receiving all three credit reports that you are looking for.
Here are those three mistakes and how you can avoid them.
Many people are familiar the reports but not everyone understands what it is.
It is almost like a report card of your financial and credit activities.
You are even given a grade based upon how often and consistently you have paid on your bills and how delinquent you have become.
But unlike the typical report card that you would receive at school, you do not receive these automatically.
You must request them.
You can request a free copy from all of the major credit bureaus.
This is where the mistakes come in.
The first mistake that most people make is requesting information from only one of the credit bureaus.
There are services online that work together with Trans Union, Equifax, and Experian, to get you a three and one report that you can view simultaneously.
If you request one at a time, you may risk not receiving the other two.
Second, never pay for the free credit report.
If you are whipping out your credit card to pay $50 or $100 to get your credit reports, you are being taken.
If this was a legitimate offer to look at your three credit reports and to see what your credit scores all our on each of the major bureaus, you would not have to pay.
So don't do it.
Third, and probably the worst mistake that all of us can make, is to ignore our credit rating.
We often think that if we miss a payment or two that it's okay and no one will report us.
What you need to do is get your reports, find out where you were delinquent, write letters to clear up these mistakes, and get your credit rating back up to par.
The reason this is important is that if you ever apply for a cell phone, a house, or anything that requires a clean credit record, you will be denied which you are asking for.
The people will not trust you.
They think you are bad risk.
To summarize, request free copies of your credit reports from Trans Union, Experian, and Equifax, read through the reports, and fix any problems that you may have.
By using all three credit reports in this manner, you will be on your way to better financial standing.
These are common mistakes that are simple to do, but may keep you from actually receiving all three credit reports that you are looking for.
Here are those three mistakes and how you can avoid them.
Many people are familiar the reports but not everyone understands what it is.
It is almost like a report card of your financial and credit activities.
You are even given a grade based upon how often and consistently you have paid on your bills and how delinquent you have become.
But unlike the typical report card that you would receive at school, you do not receive these automatically.
You must request them.
You can request a free copy from all of the major credit bureaus.
This is where the mistakes come in.
The first mistake that most people make is requesting information from only one of the credit bureaus.
There are services online that work together with Trans Union, Equifax, and Experian, to get you a three and one report that you can view simultaneously.
If you request one at a time, you may risk not receiving the other two.
Second, never pay for the free credit report.
If you are whipping out your credit card to pay $50 or $100 to get your credit reports, you are being taken.
If this was a legitimate offer to look at your three credit reports and to see what your credit scores all our on each of the major bureaus, you would not have to pay.
So don't do it.
Third, and probably the worst mistake that all of us can make, is to ignore our credit rating.
We often think that if we miss a payment or two that it's okay and no one will report us.
What you need to do is get your reports, find out where you were delinquent, write letters to clear up these mistakes, and get your credit rating back up to par.
The reason this is important is that if you ever apply for a cell phone, a house, or anything that requires a clean credit record, you will be denied which you are asking for.
The people will not trust you.
They think you are bad risk.
To summarize, request free copies of your credit reports from Trans Union, Experian, and Equifax, read through the reports, and fix any problems that you may have.
By using all three credit reports in this manner, you will be on your way to better financial standing.
