In much the same way that a resume displays your work experience to a prospective employer, a credit report provides prospective creditors (in some cases employers and insurers ) with a detailed picture of your credit history. And like a resume, your credit report can influence whether you will receive what you are applying for.
Ideally, your credit report is an accurate, up-to-date reflection of your credit history. However, since we don't live in an ideal world, there are many reasons that your credit report could contain inaccuracies that might prevent you from receiving the credit you deserve. The good news is you can take action to keep your report accurate.
Credit card fraud happens every day. It is amazingly easy to open a credit card in someone else's name. Think it can't happen to you? All the information needed to open an account in your name is floating around on the internet right now! Get a FREE copy of your credit report and score with your FREE 30-day Experian Triple Advantage trial. You'll also get credit alerts from all national bureaus, info on disputing items on your report, and more. Apply Now!
Many inaccuracies on a credit report can be the result
of simple human error, and are therefore not difficult to dispute. Of
course, if you don't order your credit report, you might never know about
it. Whether the inaccuracies relate to payments not credited, late payments,
or data mixed in from the credit file of someone else with a name similar to
yours, you will want to contact the credit bureau to dispute inaccurate
information promptly.
Free credit report includes a link to dispute inaccuracies.
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