How to Check Your Credit Rating

Video Transcript

"There are ways that a responsible creditor or rather debtor should keep their credit scores correct and the ways to do that are to write to the various three credit reporting agencies. In order they are Experian, Equifax and Transunion. They are available on line and they all have mailing addresses. You should send a request to the officers at the various credit reporting agencies asking for your information. You can absolutely receive that information back and find out if there is anything untoward in the credit files. In other words if something is off kilter you will know about it and you may not be responsible for that or a company has ill reported you or has information wrong saying you owe them money when in fact you do not. If you uncover that in getting the reporting of your credit bureau you are immediately supposed to send a letter to that agency and have that investigated. If it is found out to be false they will remove it from your credit bureau file and therefore your credit score will go up. This is a constant process of diligence and you can do this manually or you can do it through various reporting agencies such as freecreditreport.com and things of that nature. Go on line and you will find a myriad of decent resources that you can use. This is Patrick Munro on how to check your own credit score."