You know you have the right to get free credit bureau? If you were granted a credit or simply if you have a credit card, these two facts influence whether you have a credit history, well, good, regular or bad will depend on the fulfillment that you have shown in your commitments.
How do you get the free credit bureau?
1.First of all you should know that the free credit bureau which you can access by right shows a summary of your credit history.
- In other words, it is a list that describes with your first and last name in addition to your social security number, your loans, your credit cards and the most essential thing is the detail of the money you owe.
- Describe what your standard is for payments, if you pay late or late.
Why do you need a free credit bureau
- With all these details, if you apply for a loan, the lender needs to know how reliable you are, because if they lend you the money you need, thanks to your credit history, they will know if you will pay your debt on time or if you will delay in payment.
- Even without the need for you to apply for a loan, if you ask for a credit card, banks handle the same way by checking your credit report.
- Employers also use your credit report when you show up to apply for a job.
What are the free credit bureau agencies in the United States
1.The agencies free credit bureau The ones you can go to to request your free credit report once a year in the United States are three:
- TransUnion, Equifax and Experian, all these companies are in charge of the maintenance and description of your report.
- You can receive your free credit report by requesting a copy from each of these three companies, as by law you have the right to request one.
- From your free report and according to the details it provides, you will get a score that is only a number, but an important number because based on it, it will be the type of credit you have. It can be a high score which means good credit, or a low score which means bad credit.
- Well, it is necessary that you know what your credit score is, but you will not know it with your free report, to know the score you will have to pay.
- On the other hand, you may not have a credit history because you do not have a credit card and have never applied for a loan, but it is important that you have a credit history when you are looking for a job or want to rent an apartment or apply for a credit card.
How to obtain a credit history?
- Since it is important that you have a credit history, if you still do not have it, you can request that a utility bill be issued in your name, as it is the most elegant way.
- You also lose applying for a credit card at a store.
How do I check my credit history?
- You can check it by calling the Annual Credit Report at 1-877-322-8228, keep in mind that it is only available in English.
- They will ask you questions with a recorded system.
- You will indicate your address.
- Your date of birth.
- Your social security number.
- Choose the company you want to request your report from.
- The company you chose will mail your credit report to the address you provided within 2 to 3 weeks of the call.
- Once you receive the credit report, review it in detail, checking if all the information is correct.
- Are your name and address correct?
- Do you recognize the accounts of the report?
- Do you recognize all the places in the report that indicate that you applied for a loan?
- If your credit history needs improvement, the report will tell you, since the credit history can only be improved by you with patience and time.
- If your credit report has errors, you can request a correction.
- If you find errors when you review it, write a letter and tell the credit reporting agency that you think the information is wrong, explaining what it is and why you think the information is wrong.
- Ask for the correction or request that it be removed from the report.
- To do this, you must send a copy by circling the incorrect information on your credit report.
- Attach any proof that supports your opinion.
- Send all the information by certified mail with an acknowledgment of receipt from the post office, as it is proof of receipt of your letter by the company.
- The company will review your claim and then respond to you by mail.
Free credit bureau in Mexico
In Mexico free credit bureau accounts with other institutions to check your credit history such as Círculo de Crédito and TransUnion de México.
Insurance companies also need to know your compliance with your commitments, because in the same way you will handle the payment of your insurance premiums.
Special credit bureau
The law protects you so that you can request your free special credit report once a year, as long as you receive it at the customer service branch or by email.
The special credit bureau is a report with more details and more extensive that you can also get free once a year always in Annual Credit Report and you will access the report of the three credit reporting agencies.
What the special credit bureau shows
Being a more detailed and comprehensive report, it shows for example:
1.The information about the addresses of the properties that you have rented in the last 7 years.
- Your history of paying the rent of those properties, if they were on time or late.
- The duration of the rented properties.
- If you have pets.
- How are your living conditions.
- What is the reason why you rent a house or apartment, for example if you do not own a property.
- Your criminal record.
- Your financial credit report.
- Your credit score as a tenant.
- Your risk score as a tenant.