Consumer credit report Salt Lake City

Landlords, lenders, insurance companies, electric companies and potential employers all have your credit score under the microscope. With that being said, you should probably check your credit scores on a regular basis. Check it for errors, potential identity theft and improve your scores over time. The secret to a better credit score is to pay your bills on consumer credit report Salt Lake City time and keep your available lines of credit as low as possible. Do not fall for any of these common credit score myths: Myth 1.

You can check your consumer credit report Salt Lake City own credit report as many times as you want. These are considered soft pulls and do not have any impact on your score. No doubt each lender you make application with will have to check your consumer credit report Salt Lake City credit to accurately make a decision. The credit bureaus realize and understand that most people are going to get multiple quotes when buying big ticket items like homes and automobiles.

As a result all of these type inquiries made within a 14 day period are counted as one inquiry. Each bureau generates a score therefore you will have three credit scores. how can i get a free credit report Each score will vary so its good to know all three scores.

None of this information has any impact on your credit scores. Your age and employer may be listed on your credit report, however it has no impact on the score itself. If its a legitimate account, being reported accurately it will not be removed regardless of consumer credit report Salt Lake City how many letters you submit disputing it. If you do see errors on your credit report you should by all means dispute it. The credit bureaus have 30 days to reply and are quick to remove inaccurate data. Accounts are either opened individually or jointly. Dont think marrying someone with good credit is going to raise your credit score. Refer to myth number one, a soft pull will not lower your score. It is to your benefit to keep an eye on your consumer credit report Salt Lake City credit, protect it and constantly improve it. credit bureaus How to Reduce Your Exposure consumer credit report Salt Lake City to Identity Theft There are several things you can do to reduce the possibility of identity theft. BUY A SHREDDER You can find consumer credit report Salt Lake City a small easy to store shredder for less that $20 at almost any office supply store. Any document that includes personal information or your Social Security number should be shredded before you throw it away.

KEEP YOUR FINANCIAL DOCUMENTS HIDDEN AND SECURE You would think that most people are perfectly trustworthy but some are not. Is it possible that an appliance repair man, handy man or even a guest in your home could access your personal financial documents? PROTECT OUTGOING MAIL Think of consumer credit report Salt Lake City everything that goes in your mail. Checks give potential thieves your name, bank account number and routing number. Credit card account numbers are listed on the very coupons they mail each month to send your payments in. You do not want this consumer credit report Salt Lake City stuff to get in the wrong hands. If you havent graduated to the great convenience of on line bill paying you should consider consumer credit report Salt Lake City dropping off your bills at the nearest post office rather than leaving it out in your mail box where anyone can get it. credit check free Make sure your online bill pay offers encryption and other security measures to keep your transactions safe from criminals.

BE CAUTIOUS OF SOLICITORS Dont give out your credit card number, Social Security number, or any sensitive financial information by email and dont do it by phone unless you initiated consumer credit report Salt Lake City the contact. Make sure you trust the business before divulging any information.