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Why Should I Check My Credit Report?

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Financial Institutions view your credit reports as a reflection of true creditworthiness. Every transaction is reflected on your credit report.  You can view your payment history, current balance, credit limit, the date the account was opened, and whether the account is open or closed.  In other words, it is a detailed history of the loans you had and credit cards you’ve used.

How can your credit report affect you? It is very important to regularly check your credit report. In this digital age, identity theft is very rampant. Checking your credit report regularly gives you peace of mind that your identity has not been compromised. Should there be transactions reflected that you cannot identify or unauthorized activities, report it immediately so as to correct it. If you fail to correct this in a timely manner, you might suffer the consequences in applying for new loans or credit cards. You may be denied credit because of misinformation. Or you’ll be asked to pay higher interest rates on your future transactions. This can happen to anyone, so it would be best to check your credit report regularly to correct identity fraud.

In looking at your credit report, you should check the accounts you don’t recognize or information that is inaccurate. If you suspect identity theft, you may need to place a fraud alert on your credit report. You must then address anything that is not accurate by contacting the credit reporting agencies immediately.


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