Check Your Credit Report

Real Estate

Credit Cards

 

Check Your Credit Report

Credit card companies and lenders rely on credit scores, which determine someone’s chances to borrow money — and how favorable the terms will be.

Check your own score yearly by ordering reports from the three major credit scoring companies: Equifax (www.equifax.com), Experian (www.experian.com), and TransUnion (www.tuc.com).

Notify the credit bureau of inaccuracies. Close accounts not in use. Request that late payments older than seven years be removed. Verify and update accounts and account numbers. Verify address and Social Security number.

How to Improve Your Score: Pay your bills on time. Reduce outstanding debt. Build up your savings. Don’t fall for illegal schemes that help you create a new credit identity.

Under federal law you are entitled to a copy of your credit report annually from all three credit reporting agencies - Experian, Equifax® and TransUnion® - once every 12 months. To get your Experian annual credit report online, and by phone or mail, visit www.AnnualCreditReport.com.


picture of me for realtor
Olivia Wright
NC/SC Realtor
South Realty, LLC.
M:  828-639-5094

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