Mortgage rates are at an all time low, but do you qualify for a mortgage or refinance? How about a car loan?
Don’t be fooled by commercials with snappy jingles, the only place to get free credit reports as mandated by law is: https://www.annualcreditreport.com. 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. These are not the numerical “credit scores” (although they’d be happy to sell you those), but will show you your credit history.
It’s interesting to see differences that may crop up and how they structure the reports differently. Knowing what’s in your credit report will allow you to address any problems or errors before you apply for that loan.
In debt? Having credit troubles? Don’t rely on slick guys making money via infomercials. We have books and articles offering sound advice from experts. Visit the Library and Ask Us!
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