Credit Reports

When it comes to managing your credit score worthiness, your credit report is your best resource. Ordering your three credit reports gives you the opportunity to manage your credit wisely today, while planning your credit strategy for achieving future goals--a credit-savvy move every consumer should make! Get your fico score regularly and it could help you raise or improve your beacon score. Just checking it on a annual or semi annual rate could help you repair your credit score on all 3 major reporting agencies.

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What's my credit score? See your complete credit information from all three national credit bureaus: Experian, Equifax and TransUnion. Plus, get a FREE Credit Score!

1 Credit Report with score - $14.95  See and understand how lenders may be viewing your credit history. Your Credit Score is calculated based on the information on your credit report, using many of the same criteria considered in the scoring models developed by the leading credit bureaus.

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Five Reasons to Observe Your History Statement Often

In much the same way that a resume displays your work experience to a prospective employer, a history statement provides prospective lenders (and in some cases employers and insurers too) with a detailed picture of your payment history. And like a resume, your history statement can influence whether you will receive what you are applying for.

Ideally, your history statement is an accurate, up-to-date reflection of your payment history. However, since we don't live in an ideal world, there are many reasons that your history statement could contain inaccuracies that might prevent you from receiving the loan you deserve. The good news is you can take action to keep your statement accurate.

Here are the top five reasons why you should make a practice of regularly reviewing your history statement:

1. Inaccuracies & Mixed Files
2. Tracking Payments
3. Identity Theft
4. Inquiries
5. Fraud--Unauthorized Charges

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Inaccuracies & Mixed Files

Many inaccuracies on a history statement can be the result of simple human error, and are therefore are not difficult to dispute. Of course, if you don't order your history statement, you might never know about it. Whether the inaccuracies relate to payments not posted, late payments, or data mixed in from the file of someone else with a name similar to yours, you will want to contact the payment bureau to dispute inaccurate information promptly.

Tracking Payments

One of the most important elements of payment is a demonstrated history of on time payments. Once you send the check though, anything can happen--a delay in the payment being received can kick you over to a 30-day delinquency. If you call your lender and explain the situation, they might adjust the information. Of course, if you don't read your history statement, you won't necessarily know which payments are being received and posted properly.

Identity Theft

This issue alone is reason to order your history statement immediately. Identity theft is an insidious crime, involving a thief who assumes your name to open new accounts, divert your card statements to another address, and run up all sorts of bad debt without you ever knowing about it until collectors come calling. Over time, identity theft could jeopardize your ability to obtain further payment. The best way to catch a thief who is using your name is by getting a copy of your history statement, which will show you if there are accounts listed you know you haven't opened. For example, if a thief has intercepted a pre-approved card offer in your name and sent it in with a change of address, your history statement will include the account.

Inquiries

If you're shopping around for a loan, you should know that when lenders check your history statement, it places an inquiry on your history statement. Inquiries can add up, which is often interpreted as a negative by lenders. For this reason, too many inquiries can actually make getting a loan more difficult. Moreover, if you didn't authorize someone to look at your history statement and they did, they may have broken the law.

Fraud--Unauthorized Charges

Fraud involves the theft of your account number to make unauthorized charges to your account. Though consumers are protected financially from this abuse, other lenders may take note of all this activity and decide to raise your interest rates or refuse to grant you a loan. Ordering your history statement will help you catch new activity on accounts that you haven't been using, or may have closed.