Consumers Come Get Your Free Credit Report
Suze Orman's Financial Tips
Attention Consumers - Get Your Free Credit Report
Are you aware that you can request to receive a copy of your credit report for free? Many people don't know this so I felt I should create a Hub about what steps you need to take in order to get a copy of YOUR OWN FREE CREDIT REPORT.
It's more simple than you think. You have every right to request a free credit report every twelve months from three different reporting agencies. The Federal Trade Commission lawfully allows consumers to request their credit report.
There are many reasons why you would want to review your credit report. The first reason is to be able to see what your credit score is. If you have a low credit score being able to view your credit report gives you an opportunity to fix it. You want the highest score as possible. The reason being is sooner or later your going to need that loan, mortgage, new credit card or an apartment/house to rent and if your score is low you'll never qualify or be approved. Your considered a high risk and that is something you never want to be. Banks which give out loans and mortgages want to make sure they are going to get their money back. Landlords want to make sure your going to pay the rent on time. It can be a vicious cycle and that is why it is so important to know what your score is so you can fix it if need to be.
Visit The Federal Trade Commission Website. Once there you can request your free credit report from three different reporting agencies and when you do I suggest you follow these steps.
Request a free credit report from one reporting agency. Wait three months and request a free credit report from the second reporting agency. Wait another three months and request a free credit report from the third agency. The reason why I say to do this is because then you'll receive a free credit report every few months. I follow this method which keeps my mind at ease because I get to view an updated report every few months which helps me see where my credit score stands and helps me protect myself from identity fraud. Identity fraud is another very good reason why you should request a free credit report.
Besides being able to request a free credit report is the Federal Trade Commission website helps you in many other ways. They guide you to legit companies and agencies where you can seek help with bankruptcy, foreclosures, credit repair, how to deal with debt collectors, internet fraud and safety and help you get listed to the do not call registry. The Federal Trade Commission is for consumers who need guidance. I believe we all need help sometimes.
The Federal Trade Commission has so much more to offer consumers.
Avoid Charity Fraud
National Consumer Protection Weekly Blog
Chatting With Kids Being Online Advice
Report Annoying Robocalls
Credits and Loans
Oil and Gas
Privacy and Data Security
And More And More And More And More And More
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