3 In-1 Credit Report — Getting A Copy Of Your Credit Report
If you are concerned about identity theft or regular credit monitoring, you likely understand the importance of obtaining a copy of your free personal credit report. Neglecting to monitor your credit may prove damaging in the long run. It does not take long for a person to access your information and open accounts in your name. For this matter, consumers are advised to obtain a 3 in 1 credit report every four months.
Benefits of a Credit Monitoring
Aside from protecting yourself against identity theft, credit monitoring is essential for improving your credit rating. Although lenders use credit reports to judge a loan applicant’s creditworthiness, credit monitoring is also beneficial because it informs us of our credit standing. Thus, we can know our odds of obtaining a home loan, auto loan, etc.
How to Get a Copy of Your Credit Report
Getting a copy of your 3 in 1 credit report is simple. Furthermore, because credit reports are viewable online, there is no valid reason not to check your report at least once annually. To obtain a copy of your reports, you must provide information such as name, address, social security number, etc. Once your information is verified, credit reports are sent via email or viewable from the website. Your entire credit history will show before your eyes.
Why Obtain Copies of a 3 in 1 Credit Report?
If you hope to improve your credit rating, obtaining a 3 in 1 credit report should be the first step. This way, you know what needs improving. The report will list all creditors, current balances, and account standing. Moreover, you should review your report for errors. If inaccuracies are present, contact the bureau and discuss clarifying the matter.
In addition, credit reports include a credit score. This three-digit number carries a lot of weight. Low scores indicate bad credit, whereas high scores equal good credit. If the goal is to improve credit scores, it may be wise to improve in certain areas. For example, avoid late or skipped payments, reduce debt to income ratio, settle collection accounts, and limit your number of credit inquiries.
If you are looking for a place to obtain your credit report, we recommend SmartCredit credit monitoring service. You can get your full 3 Bureau credit report and Vantage credit score for only $1.
Here is the link: https://www.smartcredit.com/silverdogcredit
