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My Credit Score Why Your Credit Report is Important What many people do not realize is how their credit report and credit rating impacts their lives in ways that fall outside getting a loan or a credit card. Yes, it is important to go to your credit report and look at " my credit score " to find out what has been reported on your credit and your current credit score. However, your credit report contains a great deal of information beyond your credit score. When you are applying for employment, insurance and many other things, it is not unusual for companies today to look at your credit report as part of their evaluation. Potential employers want to know if you are responsible with your money and whether you are a potential liability to their company, particularly if the position requires you to have access to financial information. Insurance companies use credit score information to evaluate the potential risk you represent if they offer you insurance. Getting a Copy of Your Credit Report You can perform an internet search on "getting my credit score " and discover many companies that will provide you with a copy of your credit report that includes your report from all three credit reporting agencies - Experian, Transunion and Equifax. These companies also offer monitoring services that alert you to changes in your credit report, including credit that has been taken out in your name, credit inquires and changes in your credit score. You can also look for " my credit score, " and find links to Experian, Equifax and Transunion online and order your credit report directly from the credit reporting agencies. Legally, you are entitled to an annual free copy of your credit report from all three credit reporting agencies. You are also entitled to a free copy of your credit report if you are turned down for credit due to information contained on your credit report. The Importance of My Credit Score Unfortunately, it is estimated approximately 80 percent of credit reports have erroneous and incorrect information on them. Incorrect information can range from reported credit accounts that you did not apply for or approve, to past due accounts that should no longer be on your credit report, to accounts reported that have been resolved and paid. If you are planning on purchasing a new home, buying a car, applying for a job or conducting any business that might remotely involve someone looking at a copy of your credit report, then it is important that you take a look at a a current copy of your credit report and make any corrections necessary to remove erroneous information. You can accomplish this by writing a letter to the credit reporting agency, citing "errors to my credit score." Legally, the credit reporting agency must conduct an investigation within 30 days and remove any information that cannot be verified or substantiated and provide you with a new copy of your credit report indicating any changes that have been made. As damaging information is removed, you should see a correlating improvement in your credit score. Monitoring and viewing your credit report regularly is an important activity that you should engage in for financial responsibility and financial health. Information contained in your credit report can have a significant impact on many events in your life, from your ability to get a job, to how much interest you pay on a loan or even if you are able to get approved for a loan. Get a current copy of your credit report to find out the latest information on your credit rate and credit health. For further information regarding "my credit score", please visit MyReviewsNow Online Shopping.
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