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IS IT IMPORTANT?

A mistake on your credit history can have a devastating effect on your life. It could mean higher interest payments on your home mortgage or the inability to obtain a loan or a credit card or. It may even prevent you from obtaining the job you want because many employers check credit history.

It is recommended that you check your credit history every year.  

There are a several ways of checking your credit. They involve obtaining credit reports containing your credit history directly from the credit bureaus or from credit reporting companies.

CREDIT REPORTING AGENCIES (BUREAUS)
What are the main Credit Bureaus? What role do they play? What type of information do they have? How do you communicate with them?
CREDIT SCORING
Creditors use credit scoring, also knows as FICO credit scores, to evaluate your creditworthiness and to decide automatically whether to extend credit to you or to deny your request.
CHECK CREDIT REPORT
Before you can start to maximize your use of credit or deal with credit problems, you need to know what the credit reporting agencies are saying about you! Once you know what shape your credit history is in, you can start to build or rebuild your credit.

CREDIT REPORT ERROR CORRECTION
Credit Reporting Agencies and information providers are responsible for correcting inaccurate or incomplete information in your report. View a sample dispute letter.

ESTABLISHING (REBUILDING) CREDIT
Obtain a copy of your 3 bureau credit report, dispute any negative information and re-establish your credit by taking the appropriate measures including applying for secured or unsecured credit cards.
CREDIT FRAUD
Your credit history can suffer greatly if you are a victim of credit fraud or if your credit card is lost or stolen. Learn how to protect yourself against fraud.
CREDIT LIBRARY
Books to help you establish, maintain, repair or protect your credit.
CREDIT FAQ
Answers to commonly asked questions regarding credit.