Credit score and report Tulsa

Credit reports reflect how you manage your debt whether you pay bills on time, carry large amounts of debt, what your spending habits are like.

Businesses look at these factors on your credit report to determine how likely you are to pay off your loans and to decide credit score and report Tulsa whether or not to extend further credit to you. Four elements of credit reports: Free Annual Credit Report & Score, Equifax Credit Report, Experian Credit Report The only place to get your yearly free credit report from credit score and report Tulsa the three reporting agencies is AnnualCreditReport.com. However, before credit score and report Tulsa you disappear, you might want to continue reading to discover some great credit score and report Tulsa credit reporting tips we are sure you want to know.

First, because this is important, we need to warn you about credit report scams. Some unethical people sending emails are simply in credit score and report Tulsa business to STEAL YOUR IDENTITY. your credit report online

If you receive an email message or phone call offering free credit reports, DO NOT GIVE THEM ANY INFORMATION. Identity theft is a real problem, with serious implications.

Don't give these bums the information they need to turn your life upside down!

The US government passed the Fair Credit Reporting Act (FCRA). It requires the consumer reporting companies [Experian (888-397-3742), Equifax (credit score and report Tulsa 800-525-6285) and TransUnion (800-680-7289) ] to give you your credit report for free if you ask for it, once every 12 months.

Your credit score and report Tulsa FICO score is not the same as your credit report. check credit score for free Your credit score is only one of the factors FICO looks at. Your credit score and report Tulsa free credit report and score may be used to credit score and report Tulsa determine if you'll Also, if someone has stolen you identity and opened credit cards in your name, they aren't going to be paying those bills. It will look like you have been delinquent and credit score and report Tulsa are a poor credit risk. (We're being kind.) They may tell you they have to charge you a higher interest rate because they checked your credit and found that you are not a good credit risk, when, in fact, you credit score and report Tulsa are. If you have done your homework, you will have your credit report in credit score and report Tulsa hand and they won'credit score and report Tulsa t be be able to take advantage of you. (We suggest not giving that dealership your business.) Can you think of a good reason why not to credit score and report Tulsa get your free credit reports, except, maybe, procrastination? credit

Equifax, Experian, and TransUnion will send you a credit report for free every year.

But what if something happens between now and a year from now? Even if you stagger your requests to the three companies, there would still be four months between getting your free reports. Each of these companies offers services which are well worth the money, we think.