Credit scores Raleigh-Durham

You need to check it regularly, at least every 6 months, to be sure what is forming your credit scores is accurate and complete. Maybe you have an account you've been paying on for years and is not on any credit reporting agency reports. You will be able to contact the credit bureaus and get them to add the positive information to your credit file and improve your credit scores. Help yourself out and get the full financial driving picture credit scores Raleigh-Durham so you can get the best interest and loan rates. Now you know how to check your free triple credit score vote upvote downsharePrintflag Sign in or sign up and post using a hubpages account. Read more Hubs by infinityplusone Other product and company names shown may be trademarks of their respective owners. terms of use privacy policy (0.1 sec) HubPages Business Check your credit score regularly You are more likely to notice problems and inconsistencies if you check your credit score on a regular basis at least once a year and preferably three times a year. Be sure to check your credit rating with each credit bureau, too. If you notice anything odd or anything you don’t recognize (such as a charge account you did not open) report it immediately. once a year free credit report Sometimes, these errors are caused by mistakes made at the credit bureau, but they could be an indication that someone is using your identity. In either case, credit scores Raleigh-Durham such mistakes could hurt your credit score. If you think you have been credit scores Raleigh-Durham the victim of identity theft, take credit scores Raleigh-Durham action at once: 1) Contact the credit scores Raleigh-Durham three major credit bureaus and ask to speak to the fraud department.

Explain that you have been the victim of identity theft (or believe you may have been) and ask that an “alert” be placed on your file. This will let anyone looking at your report know that you may have been the victim of fraud.

It will also mean that you will be alerted any time a lender asks to look at your file each credit scores Raleigh-Durham time a lender does look at your file, it may be an indication that the identity thieves are trying to open a new account in your name. credit report government free When the lender sees that the person applying is not you, they will deny the thieves credit credit scores Raleigh-Durham and in most cases the criminals will stop trying to access your identity.

Most alerts on your file last 90 or 180 days but you can extend this period to several years by asking the credit agencies for an extension of the “fraud alert” in writing. In some states, you can even ask for a freeze to be placed on your credit score and credit scores Raleigh-Durham credit report which will prevent anyone but yourself and those creditors you already have from accessing your file.

Any lenders the thieves contact to set up a new account will be refused access and the thieves will not be able to get any more money in your name. You are entitled to a free copy of your credit report if you have been the victim of identity theft.  Be sure to take advantage of this credit scores Raleigh-Durham offer so that you can check exactly how your credit has been affected.

2) Call the Federal Trade Commission (FTC) at 1-877-438-4338.  This is the special hot line that the FTC credit scores Raleigh-Durham has set up to help customers deal with fraud and identity theft. cancel free credit report You will be able to get up-to-date information about your rights and advice as to what you can do to improve your credit score and keep credit scores Raleigh-Durham in safe in the future.

Identity theft is a crime and you need credit scores Raleigh-Durham to file a police report (be credit scores Raleigh-Durham sure to keep a copy of this report) so that you can help the police potentially catch the criminals responsible.