Credit ReportsWhat’s My Score?This number is the deciding factor in many aspects of life – your credit score. Your credit score will determine whether or not you will get a home loan, a car loan, credit from a furniture or appliance store, sometimes even being able to rent a home or get a job depends on your credit score. So, how do you keep your credit score where it should be? Realizing that in order to maintain and improve your credit score, you must have access to your credit reports, the US Government passed a bill that states you must be given access to free annual credit reports – with no strings attached. This means that once a year, you are entitled to a copy of your free credit report from the three major credit-reporting agencies – Equifax, Experian, and TransUnion. There are many websites that offer free access to your credit reports – however; the most trusted sites are the reporting agencies sites. The only problem with these sites is that you only have access to your annual credit reports – and there is a lot that can go wrong in twelve months. And, to get your credit score, there is a fee. There are websites that offer free credit scores and reports, but you have to read the fine print because there are stipulations attached. In order to receive the free instant credit reports and scores, you have to sign up for a service that charges a monthly fee and gives you access to online credit reports all year. However, if you are trying to improve your credit score, a service of this type can help you to keep track of what is on your credit report and will alert you when something derogative shows up on your credit so that if it is your fault, you can take care of it immediately or if it should not be there, you can get it taken off. Free online credit reports are not always free – except once a year – but, the service that is provided in order for you to have instant access to your credit reports may well be worth the money – especially if you are working toward improving your credit for a major purchase. One of the most common causes of bad credit is the misuse of credit cards. Credit cards can be used to your advantage, though. Consumer Reports has long been a trusted source for consumers. Consumer Reports check out many products and services and gives consumers an unbiased opinion of the best products and services. Consumer Reports rates the top ten credit cards – so, if you want to use credit cards as a means to improve your credit score, be sure to check their report for the cards that offer the least amount of fees. You can use credit cards to improve your credit score, but remember these two things – never spend more than you can afford and make your monthly payments on time, every time. And one way to save money and make credit cards work to your advantage is to pay more than the minimum payment each month – the ideal situation is to pay off the entire balance each month. Business owners should also know what is on their business credit reports – this is a must to run a successful business. Not knowing could really put a cramp in your business if something happened and you needed to obtain a loan for expansion and your business credit was not what it should be. Whether business or personal, your credit score and your credit reports are two of the biggest factors that can affect your lifestyle. So, use that credit wisely!
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