You can order your annual credit report and FICO score for free, and it’s one of the things every consumer should do in an effort to correct any errors that could be holding you back from lenders.
You should always keep an eye on what it says about you. It’s what some companies check when you apply for a job. If you are looking to refinance, or to get a mortgage, make sure you review your FICO score.
The information obtained by an agency contains debts and any outstanding collections that you have.
The three nationwide credit reporting agencies are Experian, Equifax, and TransUnion. These three companies allow consumers to sign-up online to view or dispute their report. You are allowed to check it for free each year.
When signing up with one of the agencies, they will ask you a lot of personal information. For example, they usually ask multiple choice questions about your past loans, or an address where you used to live. If you answer wrong, then they will provide a phone number for you to call.
The credit reporting agencies do this to protect your identity. These three companies also have optional services that you can buy to monitor your score and alert you when someone reads your report. You can also order a report on all three agencies at the same time.