Get a copy of your credit report to ensure that it is accurate and free of errors.  Use the credit tips within this site to help improve your credit report. You can receive an online credit report today or information about how to order your credit report by mail.  Credit report tips and credit score tips are provided to help improve your credit report and increase your credit score. Get your credit report by mail. 

Your credit report is a document that's  updated monthly by the 3 major credit bureaus. These bureaus Equifax, Experian and TransUnion report information that is received from creditors that supply information to them.  Creditors who are also known as subscribers, report payment experiences of customers to the 3 major credit bureaus each month.  The credit bureaus also receive information from employers, public records and from companies that you have requested new credit. 

There is so much data on a credit report that changes each month.  Often times there are multiple errors found on the average credit report.  It's estimated that 70% of all people have information that's incorrectly displayed of their credit report.  You may ask, how is that possible?  For starters think about how many people over the age of 18 years of age resides within the United States.  For the most part, consumer credit experiences are maintained and reported by 3 companies.  Considering the volume of information that flows through their systems each month it's easy  to understand how mistakes could occur.  Remember, the bureaus only report payment histories received from subscribers.  They don't try to understand or judge the information received, they simply report it.  So, if ABC Space Vehicles reported that you were late paying them for the last 2 months, it puts negative marks on your credit report and damages your credit score.  If this goes un-noticed because you are not aware of your credit reporting status, your credit can be severely impacted.  Then it can take some time, work and maybe money to resolve the inaccurate data.  

We suggests that everyone obtain their credit report to know where they stand, have their credit monitored and protect their credit data and identity.  It's such a low investment to protect and insure your most valuable information.

Think about how much information is on your credit file. Your Social Security Number, Date of Birth, Employer / Past Employers, Home Address, types of new credit that you're shopping for (inquiries) and Public Records.  Try this exercise, think about how much you earn per hour to keep your lifestyle.  At less than .70 cents per day you can rest easy because your most valuable information is safe.  Identity theft is one of the fastest growing types of crime within the U.S.   It pays to protect yourself.