Top 5 Reasons To Check Your Credit Report Regularly

#1 Make sure mistakes aren't hurting your credit.

Reviewing your credit report can help you avoid costly errors. In one recent study, more than 50% of the credit reports checked contained errors. Other studies have shown similar results with as high as a 70% error rate. The most common error occurs when the information of another person, with a similar name or account number, is recorded in your credit profile.

#2 Track your history of payments.

Potential lenders want to see a history of timely payments before they'll consider offering you a loan or credit. Check your report to see that your payments are being reported accurately to the credit reporting agency (CRA). A history of late payments will result in higher interest rates being charged or having your credit application or a loan denied. Late payments will also lower your FICO score.

#3 Protect against potential identity theft.

Identity theft has become the fastest growing crime in our nation. Identity theft complaints jumped 75% from last year according to a recent Federal Trade Commission report. The monetary loss from identity theft crimes skyrocketed to a combined $53 billion in 2002! Accounts that appear on your credit report that weren't opened by you could be a sign of identity theft. Report any such occurrences to all three major credit bureaus immediately and have them place a fraud alert on your account. The three bureaus can be reached at:

Equifax 800-997-2493 www.equifax.com

TransUnion 800-888-4213 www.transunion.com

Experian 888-397-3742 www.experian.com

#4 Keep your inquiries to a minimum.

Make sure all of the listed inquiries were authorized. If there are unauthorized inquiries, write to the credit bureau and to the company that made the inquiry informing them that you did not authorize the inquiry and to remove it from your credit file. Potential creditors can regard too many inquiries within a short period of time (30-60 days) as a negative and can result in the refusal to extend further credit.

#5 Stay on top of your credit without hurting your credit score.

A credit score, also called a FICO score, is a numerical grade given to each consumer . Your grade or score is an analysis of your credit risk based on your credit history. Credit scores range from 300 to 900, and those with scores in the range of 640 to 700 are considered excellent credit risks. Those with FICO scores below 500 are considered to have the highest risk of defaulting on a loan and therefore most lenders won't even consider them. Consumers with higher credit scores receive the best rates and terms on credit and loans.

© 2004

Author: James H. Dimmitt
jimdim815@aol.com

James is editor of "To Your Credit" a FREE weekly newsletter to help you manage your personal finances. You can subscribe to his newsletter and also get a FREE copy of your credit report when you visit: http://www.yourfreecreditreportnow.com

In The News:
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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/domesticNews/idUSTRE49C01020081013cid=1257034345ei=_t3ySM3GJ6GO6AOFv8S5Bwusg=AFQjCNEbL02SNN6yrKt3qgVu60j798xuUwUS small businesses squeezed in bcredit/b crunch/abrfont size=-1font color=#6f6f6fReutersnbsp;-/font nobr5 hours ago/nobr/fontbrfont size=-1Tightening consumer bcredit/b has likewise taken its toll, especially on sales of cars and other big-ticket items. quot;The most difficult part of all this is it b.../b/font/div/font/td/tr/table
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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.guardian.co.uk/world/uselectionroadtrip/2008/oct/13/uselections2008-useconomycid=1256736454ei=_t3ySM3GJ6GO6AOFv8S5Bwusg=AFQjCNF1fA5-CfArqNScimDoOadyxdd6rQ#39;They#39;re talking about bcredit/b and liquidity, but not ours#39;/abrfont size=-1font color=#6f6f6fguardian.co.uk,nbsp;UKnbsp;-/font nobr1 hour ago/nobr/fontbrfont size=-1Short-term bcredit/b has dried up in California, and the state is asking for emergency federal loans. Any way you look at it, reasons Bob, programs like his b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.startribune.com/business/30847109.html%3Felr%3DKArksLckD8EQDUoaEyqyP4O:DW3ckUiD3aPc:_Yyc:aULPQL7PQLanchO7DiUscid=1257042189ei=_t3ySM3GJ6GO6AOFv8S5Bwusg=AFQjCNHeg9Rt2jG_MhSc2lI0ijzKeakdwwbCredit/b squeeze strangling businesses/abrfont size=-1font color=#6f6f6fMinneapolis Star Tribune,nbsp;MNnbsp;-/font nobr4 hours ago/nobr/fontbrfont size=-1Minnesota entrepreneurs are finding that they can#39;t find bcredit/b for their good business ideas. By HJ CUMMINS, Star Tribune joeeee, the government did NOT b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://online.wsj.com/article/SB122384276587026821.html%3Fmod%3Dgooglenews_wsjcid=1257105958ei=_t3ySM3GJ6GO6AOFv8S5Bwusg=AFQjCNGKbTOy6dMN5z4AzS656hZcKzZoVgImporters Snatch Up USDA#39;s bCredit/b Guarantees/abrfont size=-1font color=#6f6f6fWall Street Journalnbsp;-/font nobr1 hour ago/nobr/fontbrfont size=-1By BILL TOMSON The Agriculture Department on Oct. 6 made available $3.5 billion worth of bcredit/b guarantees to help importers in countries like Russia and b.../b/font/div/font/td/tr/table
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