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Keeping an Eye on your Personal Credit History

In the simplest terms, your credit is your reputation for paying your debts on time. You should guard your financial reputation just as carefully as you guard your reputation in other areas of your life. Here's why.


  • Your credit history and credit score might affect decisions regarding loans, interest rates, and employment.


  • You can ensure the accuracy of your credit file and dispute any inaccuracies which may be damaging your credit score.


  • At any time your credit history may change, resulting in changes to your credit score.


  • Discrepencies in your credit report may provide early warning signs of identity theft.


  • You're the most qualified person to detect and contest inaccuracies, or verify the accuracy of your report.


Related Article: How Do I Clean Up My Credit Report? >>
The Learning Center
Credit
Fair Credit Reporting Act Equal Credit Opportunity Act Fair Credit Billing Act and Electronic Fund Transfer Act What is Credit? How Credit Bureaus Work Personal Credit Report - A Financial History What is a Credit Score? Keeping an Eye on your Personal Credit History How Do I Clean Up My Credit Report? Choosing the Best Credit Repair Services TransUnion - Credit reporting agency Experian - A Leading Credit Bureau Equifax - Personal Credit Solutions
Debt
Fair Debt Collection Practices Act Selecting a Debt Management Program or Debt Counseling Service Finding the Right Debt Consolidation Agency
Personal Finance
Consumer Protection Laws - Credit and Debt Steering Clear of Credit Repair and Debt Management Scams Do I Have a Debt Problem? Get Me Out of Debt! Debt Free Living - A few simple suggestions Identity Theft Prevention - Protecting yourself What If I Become an Identity Theft Victim?