Everyone should have a copy of their credit report. If you are fairly new to the credit scene, you might be thinking, "I thought that only banks I applied to for loans or credit cards could get my report." Well, unfortunately, that is not the case. Your credit report is a reflection of who you are, where you work and have worked, how much debt you have, and how well you pay your bills on time.
You might be thinking, "Can my employer get my credit report?" Simple answer, yes, they can, and they do. Most employers obtain and screen credit reports and background checks during the interview process to help make a decision regarding hiring someone. This can prevent fraud, alert an employer if there is a discrepancy in your resume regarding past employment, and also show the employer how responsible you are with your bills.
You might be thinking, "What about my landlord? Can my landlord get my credit report?" Yes, landlords may absolutely run your credit before deciding whether or not to rent to you. Landlords will also want to verify that you are currently employed and that you will be able to make your rent payments on time each and every month.
For the above mentioned reasons, you may well be thinking, "I want to know what my credit file says about me. How can I get my report?" You are definitely on the right track if this is your thought. Everyone should be aware of what their credit report says about them. You can access any or all of the major credit bureaus including Equifax, Experian, and / or Trans Union on their websites online or by telephone. From there, you may dispute any and all inaccuracies as well as learn about any possible identity theft. Disputing these inaccuracies can significantly raise your score. Once you file a dispute with the credit bureau, the creditor then has 30 days to respond and either delete or back up their reporting. If they fail to respond within the 30 day time frame, you win by default and the item is deleted.