Your credit reports matter. A history of responsible credit use can help you get the best rates for mortgages and credit cards and even help you secure an apartment rental or job application. Reviewing your credit report helps you spot errors and possible signs of identity theft.
You may think you have only one credit report and one credit score. But you really have three reports and many different scores, and the reality is they may differ. You should check all three reports regularly and ensure the information is accurate.
Consumers are entitled to receive a free credit report from each credit reporting agency once every twelve months. You can receive your free annual credit report at www.annualcreditreport.com.
If you find errors, you can dispute any information on your credit report by visiting the company whose report you wish to dispute.
© NMS 2021