Time for a Credit Report Checkup?Posted on December 9, 2009

Whenever you apply for a loan, your lender/creditor checks your credit report to predict your creditworthiness. It is advisable to check your credit report at regular intervals to see if you have any errors and get them fixed.

Annually you should review your credit reports and verify the following information:

- Your social security number
- Your name/names if you are/were married
- Your date of birth
- The names of places where you have worked
- The addresses where you have lived
- Your closed and pending accounts
- Records of your delinquent payments along with other problems
- Any negative information

You should check your credit report information well in advance before applying for a major loan.
Here’s a guideline on how do it.

- While applying for an auto loan, you should check your report before you start shopping for favorable loans.

- Check your credit report at least 3-6 months prior to applying for a home loan.

- You should check your report just before applying for new credit cards.

If you detect any mistake in your credit report information, you should send a letter to the agency where you’ve found the error to repair your credit rating. Make sure you explain the situation in details and also send a copy of your report, highlighting the incorrect information. It is the duty of the particular credit reporting agency to investigate the error and remove it as soon as the creditor admits it. If you are not successful in getting negative items removed from your credit report, call Trinity Credit Services at 1-888-669-7372 to get your FREE credit report consultation.