Individuals should note that experts believe up to 80% of all credit reports with the three credit bureaus in the United States have some level of error on them. Do you have accurate representation through your report and credit score? Keep in mind that inaccurate information with your name, address and employer can lead to problems. For example, if you apply for a loan but your address on your credit report is wrong, the lender may be leery of offering that loan to you.
Get a copy of your 3 in 1 credit report or sign up for a credit monitoring system. Track where your credit score is and where it’s going. That way, you can remain confident that your score is accurately represented. In addition, if you do plan to buy a home in a few months or trade in that old car for a new one, you will be confident that your credit score is being accurately reflected.
One late payment can drop your score significantly.
If someone did steal your identity, it could take years to unravel if it is not caught right away.
Who is looking at your credit report? Did you give them permission to do so? Too many inquiries can also drop your credit score significantly.
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