How to check credit score Nashville

Each company may ask you for different information because the information each has how to check credit score Nashville in your file may come from different sources. Why do I want a copy of how to check credit score Nashville my credit report? A: Your credit report has information that affects whether you how to check credit score Nashville can get a loan - and how much you will have to pay to borrow money.

You want a copy of your credit report to:

make sure the information is accurate, complete, and up-to-date before you apply for a loan for a major how to check credit score Nashville purchase like a house or car, buy insurance, or apply for a job. That's when someone uses your personal information - like your name, your Social Security number, or your credit card number - to commit fraud.

Identity thieves may use your information to open a new credit card account in your name. Then, when they don't pay the bills, the delinquent account is reported on your credit report.

Inaccurate information like that could affect your ability to get how to check credit score Nashville credit, insurance, or even a job. How long does it take to get my report after I order it? A: If you request your report online at annualcreditreport.com, you should be able to access how to check credit score Nashville it immediately. If you order your report by calling toll-free 1-877-322-8228, your report will be processed and mailed to you within 15 days. If you order your report by mail how to check credit score Nashville using the Annual Credit Report Request Form, your request will be processed and mailed to you within 15 days of receipt. credit report information Whether you order your report online, by phone, or by mail, it may take longer how to check credit score Nashville to receive your report if the nationwide consumer reporting company needs more information to verify your identity.

There also may be times when the nationwide consumer reporting companies receive a high volume of requests for credit reports.

If that happens, you may be how to check credit score Nashville asked to re-submit your request. Or, you may be told that your report will be mailed to you sometime after 15 days from your request. If either of these events occurs, the nationwide consumer reporting companies will let you know. Are there any other situations where I might be eligible for a free report? A: Under federal law, you're entitled to a free report if a company takes adverse action against you such as denying your application for credit, how to check credit score Nashville insurance, or employment and you ask for how to check credit score Nashville your report within 60 days of receiving notice of the action. credit report access The notice will give how to check credit score Nashville you the name, address, and phone number of the consumer reporting company. You're also entitled to one free report a year how to check credit score Nashville if you're unemployed and plan to how to check credit score Nashville look for a job within 60 days; if you're on welfare; or if your report is inaccurate because of fraud, including how to check credit score Nashville identity theft. Otherwise, a consumer reporting company may how to check credit score Nashville charge you up to $9.50 for another copy of your report within a 12-month period.

To buy a copy of your report, contact:

Equifax: 800-685-1111; www.equifax.com Experian: 888-EXPERIAN (888-397-3742); www.experian.com Trans Union: 800-916-8800; www.transunion.com
Under state law, consumers in Colorado, how to check credit score Nashville Georgia, Maine, Maryland, Massachusetts, New Jersey, and how to check credit score Nashville Vermont already have free access to their credit reports. Should I order a report from how to check credit score Nashville each of the three nationwide consumer reporting companies or all of them? A: Its up to you. Because nationwide consumer reporting companies get their information from different how to check credit score Nashville sources, the information in your report from one company may not reflect all, or the same, information in your reports from the how to check credit score Nashville other two companies.

That's not to say that the information in any of your reports is necessarily inaccurate; it just may be different. free credit score You may order one, two, or all three reports at the same time, or you may stagger your requests.

Some financial how to check credit score Nashville advisors say staggering your requests during a how to check credit score Nashville 12-month period may be a good way to keep an eye on the accuracy and completeness of the information in your reports. What if I find errors - either inaccuracies or incomplete information - in my credit report? A: Under the FCRA, both how to check credit score Nashville the consumer reporting company and the information how to check credit score Nashville provider (that is, the person, company, how to check credit score Nashville or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report.