Credit report card Chicago

With instances of identity theft continuing to rise, it is more credit report card Chicago important than ever to monitor your credit accounts.

The best way to do this is by keeping a close eye on your credit report. There are three major credit bureaus that monitor credit history: Equifax, Experian, and TransUnion. Since 2005, all consumers have had the right to get one free credit report from each of the bureaus per year. While they all credit report card Chicago have slightly different information and rating systems, the basic report from each of these companies contains credit report card Chicago the same basic information. credit report free gov These reports list basic information about you, such as your name, credit report card Chicago social security number, address, and date of birth.

It also lists all of credit report card Chicago the credit accounts that are currently open in your name, along with your payment history.

It also contains a list of inquiries into your credit rating. These are classified into voluntary inquiries, which happen when you apply credit report card Chicago for a new credit report card Chicago line of credit, and involuntary inquiries, which are inquiries that credit companies make in order to offer pre-approved cards. free credit report ca

If you see a voluntary inquiry that you did not authorize, then that is a sign that your credit report card Chicago identity has been compromised.

Finally, if applicable, public records, such as bankruptcy declarations and mortgage foreclosures, will also appear on your report. Thankfully, access to your instant credit report online is available from a number of sites. One of the best reviewed online credit report sites is Identity Guard. This site offers a free 14 day membership followed by a monthly charge of $9.99, $14.99, or $17.99, depending on which features you want. Also, discounted rates are frequently available at the companys website. credit fraud reporting

By signing up for a free trial membership, you can get access to an instant credit report from all three credit bureaus online, along with a number of other features.