Contributed by Annie Bauers
You are entitled to a free copy of your credit report once a year from trans union. You are also entitled to a free copy of it if you have recently been denied for credit. This is so that you can take a look at it to see why you were denied for credit. You should get your free copy of your credit report from trans union every year so that you can see what it says. You want to be a wise consumer and know what your credit score is and where your credit stands.
Another important reason that you will want to get a free copy of your trans union credit report is to check it for errors. Yes errors do occur on credit reports and odds are if one is reported on your credit it won't be in your favor. An error also will not be removed from you credit report immediately so you will want to know about it as soon as possible. It is very serious if there an error on your credit report and it doesn't cost you anything to get a copy to check it.
So do the right thing and get a copy and check it for errors, check your credit score and check out what it says about you and see if you check out!
You can look at your trans union credit report as many times as you want. After all it is your credit report and what is on it is about you. You might have to pay for a copy after you have got your free one from them for the year but it won't cost you that much and if you find an error on it you will be glad you got a copy even if you had to pay for it.