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Getting Your Credit Report

By Guest Author On February 5, 2011 Under Setting Goals, Success Secrets

Getting your credit score is important to check where you stand in the financial realm of things. The US government has regulated free credit scores so that consumers have the right to check their credit score to see how they are doing. You’ll be able to see all the credit cards you have, loans, and other financial records on your credit report.

Even if you are not getting a loan anytime soon, it is good to get your free credit score government. You also want to check if someone has stole your identity and opened up credit cards in your name. If your identity gets stolen you will compromise all the things in your name.

Whether you have a high or low credit score, pay attention to this next step to see what to do. First you have to pay more than what the minimum is on your card. I would be sure to get your free credit report scores and see what you need to get to in terms of your numerical score. Create a simple plan to pay off all your debt because that will help your credit score. Then finally if you can’t do all these things, make sure you use your debit card instead of credit cards.

Some people confuse their credit score with a free credit card score. Keep in mind that a credit score can be yours for free at least once a year. If you have a bad credit score, you will not be able to get the home you want or a job might even deny you based on your score.

It helps if you protect your credit from thieves as well. Be sure to destroy and document with your personal information. I keep two shredders at home and destroy and shred all my documents that have personal information. Try getting a cross cut shredder which shreds both ends so the paper ends up like confetti. There are thieves who use high tech devices to steal your credit information so be sure to protect yourself against things like that. Thank you for taking the time to read this article about credit reporting and I hope that you got some use out of it.Hopefully you have learned a thing or two about credit score and credit reporting that you can use right away.)

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