Why do I need to pull my credit reports now?
You must figure out your “current location”
If you want to go to Atlanta, it makes a difference to know where you are right now.
Are you in Birmingham, Savannah, New York, or Miami?
That current location is going to fundamentally change how you get to Atlanta.
In the same way here, we want to figure out what our credit reports say about us now.
Only after we’ve done that we can figure out if there are errors, if there are mistakes, if there are things that we need to correct.
Now, you can do this for free.
You can go to AnnualCreditReport.com, fill that out online.
There’s a PDF you can fill out and mail in.
There’s a phone number you can call to get your credit reports for free — as of right now the number is 1-877-322-8228.
I really recommend you do that so you know what is being said on your credit reports.
Once you get them, you look at them. If there are no errors, everything is correct, that’s wonderful.
You would be in the minority of people, because most credit reports have errors in them.
Maybe yours doesn’t.
If your credit reports have no errors, then that’s wonderful. Just pull your credit reports every year to make sure your reports stay accurate.
If there are errors, then now is the time to fix them and use the FCRA, the Fair Credit Reporting Act.
That’s a federal law that governs credit reports and gives you the right to have an accurate credit report.
It tells us how do we do disputes.
There’s a special way we do disputes.
What are the obligations of the credit bureaus?
Those are places like Equifax, Experian, TransUnion, and then the companies that furnish or provide them information — these are companies such asBank of America, Capital One, your car loan, etc.
In future videos and articles we will talk about how to fix credit report errors.
The simple point of this video is pull your credit reports now.
If everything’s great, well then you want to know that.
If there are errors in there, then figure that out now so you can fix it now.
Feel free to contact us
If you have questions or comments of a general nature, feel free to put those below.
If you have a specific question where you think maybe there’s a problem with your credit report, you want some help, and you live in the state of Alabama, just pick up the phone and give us a call.
That’s the easiest thing to do. Our number is 205-879-2447.
I hope that this is helpful to you and look forward to talking to you soon.
Have a great day.