Request Your Credit Report
Remember growing up when you’d open the butter container and not know what you were going to find in there. Rice and beans?🍛 Leftover take-out? 🍱 Margarine? Your credit report can be just like that. It can be good news or bad news. But your credit report has a ton of information available…but only if you check it. So why should you not get a copy of your credit report if it’s free? Somewhere there’s a group of penny-pinching tías having un infarto that you didn’t take it “porque es free.” But you’d be having a heart attack if you left money somewhere, right? 🙊
Do you want to get from I Can’t Believe it’s Not 800 to rich creamy credit? Start by taking advantage of your legal right to see your free credit report. Each year you get to access your credit report from all three credit bureaus for free. Your credit report gives you a look at your financial picture. It lets you know your accounts, debts, and if there’s any funny business. Your credit score sets your credit limits, interest rates, and can affect your ability to rent or buy a home. So don’t leave that in the back of the fridge to get nasty. Look inside, amig@.
It can seem intimidating. But that’s only because so many of us have never seen our credit report. There’s a certain website that says they’ll give you your credit report for free but then try to get you to sign up for things. The real website is annualcreditreport.com. 🖥️
You can also call 877 FACTACT 📞 or complete a Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. 📝
Once you look at your credit report it will list all the places you have open accounts. Do you still have a gym membership you forgot to cancel? Is there a credit card you haven’t used in a year? Is there an account you did not open? A look at your credit report can help you keep an eye on things and set goals for what you want to change
Do you want a rich and buttery future? With the right planning you will believe it’s 800! Or maybe 720. But that’s good, too.
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