| Years ago, you could not even get access to your | | | | checks once you are a credit card holder..c. Installment |
| Credit Report. Finding out what was being reported | | | | Loansd. Mortgage Loanse. Lines of credit |
| about you was a BIG secret. As a matter of Fact, | | | | 4. Insurance Companies, they pull credit and base |
| banks did not want you to know. The reason they did | | | | you're Premium on your credit score. |
| not want anyone to know, is because they cannot | | | | 5. Car Lots |
| make money on an educated consumer. Now under | | | | All of these companies are involved in everyone's life |
| the 2003 Fair and Accurate Credit Transactions Act, | | | | in some form or fashion. In order to survive these |
| you are entitled to one Free Credit Report per year. | | | | days, most of us have just about everything previously |
| But the big question is do I need a copy of my report? | | | | mentioned. Your Credit Report is so important to have, |
| In this article I will discuss why you do, and what is | | | | I recommend getting a copy of your report every 60 |
| going on in our market place that could affect you. | | | | to 90 days. The Reason for this is your creditor's re- |
| Especially if you are not up to date in regards to what | | | | reports with all 3 bureaus every 30 days. Anything can |
| is being reported about you with all three bureaus. | | | | happen on your report that may or may not be |
| Companies that pull your credit: | | | | accurate. Remember they really don't want you to |
| 1. 35% of employers now look at your credit before | | | | know your credit. So, I recommend to everyone, keep |
| hiring you. | | | | yourself informed about what is on yours. You also |
| 2. Utility companies and they are actually thinking about | | | | need your credit scores, the once a year free credit |
| basing your rates on your credit score. | | | | report does not come with credit scores. |
| 3. Banks for the following:a. checking accountsb. Credit | | | | Remember "Your Credit is your Life. |
| Cards; credit card companies also do periodic credit | | | | |