Getting your credit report is as simple as ABC. It can be done by going through annualcreditreport.com. Remember that you're allowed to get a free copy of all three files, Transunion, Equifax, and Experian, once every 365 days.
Really, it's a good thing you recognize how important it is to check your credit report. Though more people are beginning to realize the importance of doing so, there's still a fraction of the society that are yet to understand how important it really is until they're near or into financial mess.
Another alternative method of getting your report is to go through any of the three reporting agencies – Equifax, Transunion, and Experian. Once you've made use of your free opportunity in a single calendar year, subsequent requests you make for your file will require you to pay some token amount of money.
Nevertheless, it is still a good habit to form as constant monitoring of your file will keep you updated of information that gets recorded in it.
But that is just half of what you need to know about keeping good track of your financial life. Furthermore,
I'll explain to you briefly how you can restore your financial rating once you've obtained your report.
If you have a low score, or perhaps you just want to raise it higher there are some tasks you can do to achieve that.
Cleaning your report requires similar actions too and I'll show you that. Find out how much you owe on any credit account you currently have. Pay down at least 50% on revolving accounts and try paying up on any debt you've incurred either through mortgage or car purchase. Keep balances on your cards below 40% and cut-off any unnecessary luxury.
You can do this by getting a professional credit-repair agency to fix your file on your behalf. Alternatively, you can also do-it-yourself equally well, especially if you use the aid of a manual (also known as a repair-kit).