5 Questions: Tracking credit
Be sure your credit report is accurate
Debra Wood, family and consumer sciences agent with the Kansas State Extension Service — Geary County, offers this advice to be sure your credit report is up to date and accurate.
Q: What is the importance of checking my credit report?
A: Because the information in your credit report is used to evaluate your applications for credit, insurance, employment, and renting a residence, you should be sure the information is accurate and up-to-date.
In addition, monitoring your credit is one of the best ways to spot identity theft.
Q: How often should I check my credit report?
A: Check your credit report at least once a year to correct errors and detect unauthorized activity.
Q: How can I get a copy of my credit report?
A: You can request your free report online, by phone or by mail.
Visit AnnualCreditReport.com; call 1-877-322-8228; or fill out and mail in the Annual Credit Report Request form available on the website.
Q: What is AnnualCredit Report.com?
A: This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.
Q: Should I get all the report from all three companies at once?
A: By requesting the reports separately, for example, one every four months, you can monitor your credit more frequently throughout the year. Set a calendar reminder for yourself to ensure this is accomplished.
More like this story
- Bonner-based interior designer loves to reshape spaces
- Fascinating fasteners: Bonner woman shares button hobby through 'traveling museum'
- Adult students find success with Bonner-based diploma completion program
- Kansas GOP touts school funding law; districts look to cut
- Edwardsville police implement new body cameras for officers