One Time Credit Report – How to Be Prepared Financially

If you are looking to apply for credit for an upcoming major purchase – such as a new home or an automobile – or even if you are looking to add a new credit card to your wallet – perhaps upgrading to a rewards card – then you are going to want to be as prepared as possible before you apply for this credit so there are not any surprises during the application process. The best way to get prepared is to order a one time credit report online and make sure your credit history is intact, that there are no errors and that your credit score is acceptable to the agencies and businesses who extend credit to consumers.

The benefits of receiving a one time credit report are vast and can be quite comforting, especially if you find everything to be in order once you receive your report. Among these benefits is that you have the ability to see where you stand as a creditor views you, for instance, how often to make your scheduled payments on time? How much credit do you have and how much are you using? Do you have any derogatory information in your credit history or is everything the credit bureau says you have correct? You can also be able to tell if others have applied for credit in your name by viewing the section that shows you where credit has been applied for in the last 12 months. If you see businesses in that section that you have no idea about, chances are someone might have used your information in an effort to get credit, by knowing this, you can catch it before anything bad happens to your name and credit score.

As you can see, everyone can benefit from ordering their one time credit report and because of a law that says you have the right to view what is in your report and dispute any items that are inaccurate, you are able to get at least one free credit report including your credit score every year. This is very important because it allows you to the opportunity to monitor your credit report every year and check for any significant changes that may have occurred.

Source by Louis Zee

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