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4 Top Reasons to Check Your Credit Report

Identify Inaccuracies and Mixed Credit Files
Simple clerical error or data mixed in from the credit file of someone else with a name similar to yours.

Tracking Payments
Make sure your payments to current commitments are being applied to your account on time and are
reported properly to identify incorrect 30 day delinquency reports.

Identity Theft
The best way to catch a thief who is using your name is by getting a copy of your credit report, which
will show you if there are accounts listed you know you haven't opened.

Identify Excess Unused Credit
To make your credit more attractive to a potential lender, consider reducing the number of revolving
charge accounts that are listed as active on your credit report, (even if you no longer use them).
Store Cards taken out to benefit from a one-off discount for example. Lenders will sometimes view too
much revolving debt as a negative when considering a loan application. In situations where you have
stopped using a credit account, it is often a good idea to close the account if you don't plan to use it
anymore. Make sure your creditor notates the account 'closed at consumer's request'.
Otherwise, a prospective lender might assume the creditor closed the account for other reasons.



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