A credit report is a statement that has information about your credit activity and current credit situation such as loan paying history and the status of your credit accounts.
There are three major credit bureaus which are primarily used when determining creditworthiness. These include; Trans Union, Equifax, and Experian. You can request a free copy of your credit report from each of these three nationwide credit reporting companies once every 12 months. You will be required to provide your name, address, social security number, and date of birth to receive your copy.
To get your free copy of your credit report online, you can visit the FTC’s authorized online credit report provider by going to annualcreditreport.com. Alternatively, you may also call 1-877-322-8228.
Understanding Your Credit Report & How it Affects You
Once you’ve received a copy of your credit report you can review it thoroughly to determine what areas need to be improved in order to increase your overall credit score. If you have difficulty understanding your credit report or are not sure how to proceed, you may want to consider a credit audit.
Credit Absolute provides complimentary credit audits to help you better understand your credit report and how it affects your credit score. They will also be able to assess where you will be able to improve your score the quickest and find negative items which you can dispute.
Our credit experts will provide you with an in-depth one on one credit audit to determine your exact credit needs. On average, we are improving credit scores as much 30 to 100 points in 30 to 90 days.