Using credit bureaus to find out how you rank

Credit Bureaus - Equifax is one of 3 credit bureaus that keeps up well with consumer’s reports and has easy access to view your credit reports. Credit bureaus will maintain a record of your credit history and can make it easier and faster for you to get the credit you need in the future. Anyone with your approval can access your credit bureau history such as banks, car dealers, and phone companies. The decisions made from the credit bureaus will determine if you will get the loan and if you do it can determine how much you will be required to pay in interest and possibly deposits.

By contacting the credit bureaus and requesting a copy anyone can obtain a credit report. A consumer can then look at the reports and determine if anything is on it that is incorrect such as accounts that have been paid in full but are still showing a balance or accounts that do not even belong to you. You can contact the credit bureaus with any proof that you have that the report are incorrect and the credit bureaus will then clear the incorrect entries. Consumers should request copies of the reports from the credit bureaus at least once a year to be sure that everything is accurate and up to date.

To obtain your credit report from the credit bureaus can go to a local office and can be found in the yellow pages. Or if you have been turned down for credit you can call the credit bureaus used by the merchant for a free copy of your report to find out why. You will have to give the date that you were turned down for credit to receive the report at no cost.

The credit bureaus can be of great asset to you when making a purchase since most company rely on the credit bureaus report to make a decision, having a good payment history on your reports will help you in getting a loan quicker and easier with less hassles and much better interest rate. You can also check to see if there are any incorrect items in your credit report that may prevent you from obtaining a credit card or a loan in the future. So get a copy of your credit history from the credit bureaus today and see how you rate.

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