Do you monitor your credit? If not, you may want to start by each year requesting your free credit report. There are benefits to self-monitoring, and it is a good idea to adopt the mind-set of scheduling monthly, quarterly or annual reviews. You may not understand it so find someone who does and can assist you. Financial literacy is a major problem nationwide, allow United Credit to assist you! To get the best rates and employment opportunities, you must have a 750 FICO score or above. Don’t be left out!!
The best way to detect identity theft is to check your credit report regularly, according to the Fair and Accurate Transactional Act (FACTA). If you suspect identify theft, you can request a free credit report. Erroneous information of any kind on your credit report, including late payments and collection actions, makes self-monitoring all the more necessary. Catching fraud early enables you to more quickly regain your financial health and protect your financial profile because credit scores are important and utilized by many entities. One of the best way to protect yourself is with LIFE LOCK.
There are times when you may have disputes with creditors, and you need to make sure that the dispute has been resolved and reported according to the terms of the agreement. When this kind of situation occurs, you can also request a free credit report to review the actions reported by the creditor. If you still disagree with an item after it has been disputed, you may send a brief statement, not to exceed 100 words, explaining the nature of your dispute. Your statement will become part of your credit file and will be disclosed each time that your credit file is accessed. Why is this important? Including statements is essential because when you are looking for a job while unemployed, the last thing you need is erroneous or adverse actions being reported by the Big Three credit reporting agencies: Transunion, Experian and Equifax. There are options to resolve this situation. Watch this video
Landing your job should be your first concern, not cleaning up your credit report. However, if you find yourself in this situation, a free credit report is available to you upon your request. There are three ways to request your free report:
Visit http://www.annualcreditreport.com
Call (877) 322-8228
Complete the annual credit report request form and mail to: P. O. Box 105281, Atlanta, Ga., 30348-5281. For a copy of the mail-in form, log on to http://www.annualcreditreport.com/cra/requestformfinal.pdf.
For further assistance 866-729-5381 or 678-653-1837 or
Go to http://www.2urlife.com
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