Your Credit Report - A Significant Piece of Document
Having good credit can make a big difference in the quality of ones life
. Viewing the free annual credit report gives the consumer the opportunity to keep tabs on the information that is in their credit file. This information is too important to not track closely. False information can cause the consumer to be refused credit or have to pay higher rates for credit. Negative reports can even affect a persons chance of getting insurance or even a job. Paula de la Torre of the "Best Credit Reporting Services" website -- http://www.BestCreditReportServices.com/ -- pointed out; The Fair Credit Reporting Act entitles every consumer the right to receive a free copy of their credit report from each of the credit reporting agencies. Due to the prevalence of ID theft It is important that consumers request their free credit reports each year . If a person notices unauthorized charges while viewing their file, there are things they can do One of the first things to do is to call the three credit bureaus and put a fraud alert on the account which will warn potential creditors to contact you personally and take other precautions before opening another account. Check with your state to see if its possible to freeze your credit. This will stop any new accounts from being opened in your name. It is also important to close the accounts that have been already opened fraudulently. Make sure to report the id theft to Federal Trade Commission P. de la Torre added. Since a credit file is so important in a consumers life, many view their credit file several times per year from the three credit bureaus. By doing this it is possible to more accurately monitor changes. The longer identity theft goes undetected the harder it may be to get things right again. Further information about how to get a detailed credit report including scores and as often as you want by visiting; http://www.BestCreditReportServices.com
Your Credit Report - A Significant Piece of Document