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You may not be aware of the fact that there are three major credit-reporting bureaus and that you have three credit score reports. The three major credit-reporting companies are responsible for keeping track of your credit score. You can write these credit reporting agencies and include a line that says; “I want to clean up my credit report“. You as a consumer can also request for free all three-credit reports as long as they are yours. These credit report agencies will usually allow you to receive one free credit report per year. You can request one as often as you like for a charge. It is recommended that consumers check their credit reports regularly for any signs of authorized or suspicious activities. There are some companies that will pull your credit report if you apply for credit with them; they will usually tell you what one them is. Some will pull one credit report while others may pull all of your three credit score reports.

Reasons to check your credit report

There are a number of reasons why you should check all 3-credit score reports.

Reason #1, not all credit reporting agencies will have the same credit score on file for you. Reason #2, you need to check the accuracy of information that is provided on your credit report, some information may be outdated or misplaced. This can happen quite regularly when people have similar names.

Reason #3, if you decide to check up your credit score report you will need to the information that it contains, if you need to dispute an item or two. This is helpful if you are

Reason #4, you may want to purchase a house or a car, your 3 credit score reports will determine how much of a down payment you will have to pay.

There are a number of internet sites that advertise for free all three-credit reports. However, if you key these words, “clean my credit report” you will get a list of websites that will lead you to much valuable information. Remember all 3-credit score reports are available to you once a year free of charge. This is put in effect due to the amount of identity theft that has been taking place worldwide. If your credit reports contain errors, you can request that all 3-credit score reports be amended. It is your right.