It is important to know not only know your credit score, but also take time to review your credit report to catch activity that could be related to identity theft. Federal law requires that nationwide consumer credit reporting companies give individuals a free credit report every 12 months upon request. Capitalize on this offer and take time to protect and review your credit.
Review your credit report
What should I look for when I review my credit report?
Make sure that you recognize the accounts and loans on your credit report. Then check that the information on your credit report is correct. If you find information that you believe is not correct, contact the company that issued the account or the credit reporting company that issued the report.
What are the common warning signs for identity theft?
- Credit card charges that you don’t recognize
- Calls or letters about things you didn’t buy
- Bills that arrive on unusual days
- New credit cards or statements for accounts that you didn’t open
- Denials of credit for no apparent reason
- Information on your credit reports you don’t recognize, such as accounts or addresses
Your credit score plays a factor in what loans and mortgages you qualify for when looking to purchase a house. If you are looking to buy a home, and need some clarification, contact us today at 503.611.5580, or click here.
SRC: Find more information and REQUEST your FREE credit report here: www.annualcreditreport.com/index.action