In today's world, credit reports are an important part of our lives. They can be the key to anything from auto loans to getting hired for a great job. But when it comes to monitoring them, people have the tendency to drop the ball.
In a recent American Bankers Report, it was revealed that only 60% of Americans checked their credit report last year. As I said before, a credit score is essential to many aspects of our lives. It helps us get approved for loans, affects the amount we pay in interest on those loans, can be used as a deciding factor by a landlord in a rental agreement or an employer, and by insurance companies when determining your premiums.
Keeping Up with the Credit Bureaus
One of the more effective ways to keep up on your credit is by pulling one of your three available credit reports every four months. You can get a credit report from each of the major credit reporting agencies (Equifax, TransUnion and Experian) free once per year.
Of course, your reports don't necessarily have the same information, so if you want to be truly informed, you might want to pay a few dollars to get all three at the same time so you have the most accurate information.
Another method you can use is CreditKarma.com. It is completely free and will provide you with two of your three credit reports and provide access to those two reports' scores. This way, you would only need to additionally access your Equifax report.
Using any one of the above methods will put you in a much better position to tackle any bad credit issues that you may have. If you see any errors, you can pursue the matters further with the reporting agencies and have them removed.
Even the Score
Your credit score is important, and you deserve to have all of the opportunities possible to improve it if yours is damaged. Auto Credit Express is dedicated to helping people in bad credit situations get connected with the car dealerships that can give them the best chances of getting approved for an auto loan, regardless of their credit.
All you need to do is complete the online application to get started. From there, we will contact you to set up a meeting time with the car dealership that can give you the best possible deal.