New Year, New Credit Report Check
News from Fox Business:

We are more than a month into the New Year, which means you have another opportunity to review your credit reports for free. By law, each year U.S. consumers are allowed to download one free copy of each of their credit reports so they can review the reports for errors. This helps you avoid mistakes and discrepancies that damage credit scores.

A recent study found one in four credit reports contain some type of mistake so annual score check’s are vital to keep your financial health intact. 

You can download your free credit reports by going to and following the instructions. You will receive copies of all three credit reports – one from each of the three main credit bureaus. Each credit bureau maintains their own version of your credit history and has their own formula for calculating scores. Since the bureaus don’t communicate with each other, it’s up to you to make sure all three reports are correct.

Once you have copies of the reports, start looking for mistakes: duplicate accounts, incorrect accounts and/or statuses and even outdated information that should be removed after the seven to 10 year statute of limitations. If you identify a mistake, look for any documentation to prove that inaccuracy. Once you have all of the information gathered, you can make your disputes.

By law, you can make disputes directly with t…………… continues on Fox Business

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