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Help to Check My Credit Report - The Bills.com Blog
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Help to Check My Credit Report
Question: I haven't had any thing on my credit in a long time. It's been a long time but I'd like to check my credit report. And if I do have anything on it. I'd like to take care of it.
Answer: Thank you for visiting Bills.com. Here is an answer to your Credit question - and, by the way, I get asked all the time "How can I checkmy credit report and score?"
To pull your credit reports and get instant access, you can just follow this link:
Free Credit Report
If you want some information on what you will find on there, read on...
Most credit bureaus update their files every 90 days, or approximately quarterly. This does not necessarily mean that what you are seeking will show up in the next reporting cycle, as there are frequent delays in reporting.
According to the Fair Credit Reporting Act, all trade lines can be reported on each of the credit bureaus. However, the reporting agencies must update and keep accurate data in their credit files. If there is erroneous information, you must notify them (typically through a certified letter) and then wait one reporting cycle (90
days) for the errors to be removed.
There are three major credit bureaus that offer credit reports, if there is something that you want added or removed, you should contact them directly:
Equifax
1-800-685-1111
www.equifax.com
Experian
1-888-397-3742
www.experian.com
Trans Union
1-800-916-8800
www.transunion.com
To get a hold of your credit report, you can either contact each of these three bureaus, or apply to get your 'tri-merge report' by clicking here:
Free Credit Report
Each bureau interprets your credit information differently, so you might want to get a report from all
three.
It will be important to understand how your credit score is calculated. Your credit rating is calculated based on several variables, including: your payment history (do you have any late payments, charge-offs, etc.), the amount and type of debt that you owe, if you have maxed out any of your trade lines, and then several other secondary factors like the length of your credit history and how many recent inquiries have been made to look at your credit history. Paying off delinquent or maxed out trade-lines will almost always help your credit score.
If you would like more information, please visit our credit resource page at:
http://www.bills.com/credit/
We hope that this helped you to Find, Learn, and Save!
Best,
Bill
www.bills.com
Also, make sure to get a free financial health check-up with Bills IQ!
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Bill has answered all sorts of questions and has been able to provide those in need of financial guidance with helpful and valuable advice and information on their specific financial area of interest. If you need specific guidance on any of the above mentioned financial areas, feel free to Ask Bill your financial questions and get better informed. Also, make sure to get a free financial health check-up with Bills IQ!
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