What’s your credit score? If you don’t know the answer, or at least have a pretty good guess, that’s a big problem! You see, your credit score really matters in life. Why is it so important to check your credit report? Just a few of the reasons include:
It’s essential to know where you’re at
It’s crucial to know what your credit report says. Why? Because everyone else will know it, even if you don’t! Everyone from landlords to your car insurance company to employers check your score before making a decision about you. If you never check your credit report, you’ll never know what your credit score is or what can be done to improve it. Also, it is necessary to provide accurate information to your Locator so you will be referred to properties that work with your issues and you do not lose application fees.
- Don’t be surprised!! Many times, there are entries on your report that you were not aware of that can cause problems for you.
What’s in your credit report isn’t always accurate
Even the three main credit bureaus make mistakes. There’s always a possibility that your credit score, whether good or bad, is being affected by inaccurate information in your credit report. You may even be a victim of identity theft! As you’re reading through your credit report, watch out for social security numbers, accounts, or names that aren’t yours. When you check your credit report regularly, you can immediately spot any inaccurate information and take steps to get it removed or corrected.
It gives you a clear path forward to having a higher credit score
There are many situations that can leave you with a less-than-desirable credit score, like filing for bankruptcy or breaking a lease. No matter why you have a low score (or even a fair score!), checking your credit report can give you the information you need to move forward with a targeted plan to improve your score. Once your score is better, you’ll qualify for lower interest rates and better places to live.
So the next question becomes, how do you check it for FREE? Quizzle.com, CreditKarma.com, and Credit.com are all great ways to keep up with your number. Yet, these are just websites and don’t offer personalized help. What if you notice an error? What if you want help raising your score? That is when it is time to bring in a professional, like those at Creative Realty. We help Dallas and Houston TX residents every day with their credit checks and the next steps to take once you know your score. Reach out today for a referral to credit repair services. We can help to remove evictions, broken leases, bankruptcy, foreclosure, repossessions, medical bills, credit card debt, slow pays, and other problems that will actually raise your FICO scores! Give us a call or TXT at 855-208-2221 to begin.