Why should you even take the time out of your day to go get a credit report?
You always have people talking about credit reports and Credit in this that and the other, but maybe you don't need any credit right now. Maybe you have no plans of getting a new car or house or Store card at Belk. And that makes perfect sense. Everyone is doing their own thing at their own time.
However, there will come a time when someone will want to look at your credit report. It may be a new job or it may be one of the above reasons. Regardless, when that day happens you will want to make sure that you have your best foot forward and that the information that people see about you is correct, complete, and not misleading in any way.
As you probably know that if you have a higher credit score your ability to borrow money increases and the amount of interest that you have to pay back on that money is significantly lower. So even doing some of the small things that may seem marginal or not important can actually play a huge role.
Damage to Credit Score
+100 points off your score
+240 points off your score
It's for this reason did she want to go ahead and look at your credit report especially if you have no need to apply for credit. One of the most important reasons I would say that you need to pull your credit report is because it's estimated that over half of the people in America have something wrong on their credit report. I'm those people with something wrong on your credit report over half of them will not be able to get the problem resolved by themselves.
That even includes people that actually take the correct legal steps and do everything perfectly by the book. This takes time. And for those people who the errors will not come off, those people will need the help of a consumer credit reporting attorney. Otherwise the inaccuracies in the wrong credit reporting will continue for years and years.
These are the reasons why everyone should look at their credit report at least once a year to make sure that all reports are reporting accurately. We have recently released a new guide to how and where to pull your credit report that you should now proceed to review.
Our Law Firm wishes you the best luck. We hope that the articles that we have on this site will continue you towards your path of an accurate credit report. Please remember that if you have taken all the proper steps and inaccuracies remain on your credit report, you may be entitled to compensation under the Fair Credit Reporting Act. If this is you, please contact our office to see how we may assist you or put you in touch with someone that is best suited for your specific needs. Thank you and take care.