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Your credit score can help or hurt you. Getting the job, apartment or car that you've always wanted is determined by your FICO score. Bad credit will keep you from following your career path, getting a loan or buying a house. Knowing your credit history and keeping an eye on it is the first step in obtaining good credit.
Make it a habit to look at your credit report each year. Old or inaccurate information could cost you a job, apartment or money if you're applying for a loan. The three major credit-reporting agencies are; Equifax, TransUnion and Experian and upon request are required to give consumers a free credit report each year. You can visit AnnualCreditReport.com to access your report for free or contact C&C Capital Lending and they can assist you in obtaining a free credit report.
A credit report is a list of your payment history, accounts and balances; it also shows the consumer's payment trend. A credit report is not the same thing as a FICO score. A FICO score is calculated based on the items found in your credit history. Lenders and employers use FICO scores, which is why it is so important to remove inaccuracies from your report.
Don't wait to find out what is in your credit report. The earlier you begin keeping an eye on your report the faster you can get your finances on track. Click here to get a copy of all your 3 credit history with score or visit www.unsecuredlines.org
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