Check out Your Experian Credit Report to See How You Check Out!
Contributed by Annie Bauers
Is the copy of my experian credit report the same one as a creditor will see?
If you contact experian and get a copy of your credit report the report that you will be looking at is the same exact copy that your creditors will see. This why it is important for you go get a copy of your experian credit report several times through out the year because what you see on it is what a creditor will see on it. If there is an error on your credit report it can be viewed as negative by a potential creditor so you will it to be removed.
You also want to take a look at your credit score. This is because your credit score is what the creditor will base their decision on whether to give you credit or not. You want your credit score to be high and if it changes up or down on your credit report you will want to know why it changed. A creditor will also look at your credit history and your debt to income ratio on your credit report so these are other areas of your credit report that you will want to pay special attention to.
Take the time to check your experian credit report a couple of times a year so you can see how you check out to creditors.
How much will it cost me to get a copy of my experian credit report?
You are entitled to a free copy of your experian credit report once a year so that you can check it for errors and to see what's on it. You are also entitled to a free copy of your experian credit report if you were recently denied credit. This is so you can see why you were denied for credit and you can fix it. Be a wise consumer and know what is on your credit report and view a copy of it several times a year.
