GET FREE CREDIT REPORT

And Know the Facts What you acquire

By:

As we welcome 2015,

NewHorizon.Org gives you the basic facts that you acquire when you

get free credit report.

Your credit file or credit history is simply your credit report.

Whenever you apply for loan or

credit, your credit cards, real estate loans, auto loans,

and others stays in your credit report

for 2 years.

bankruptcy, tax lien and civil

judgments are the legal actions that that attribute to

your public records. These are said to be updated

every month.

When you get free credit report, you also get a chance to know your credit score.

• For young adults who are working on keeping a good financial record, the credit score is what matters most.

• It serves as their financial report card which

consist their credit score.

• Credit score includes your payment history, how much you owe, how you pay debts, new credits and other factors.

Here are the things that you need in order to get free credit report:

# Name# Address# Social Security number

To know more as to why is it necessary for you to check yours, read: http://www.newhorizon.org/credit-info/comprehensive-credit-repair-guide/

Know your rights, your responsibilities and things to look out for. Your rights are protected by various federal laws.

• The Fair Credit Reporting Act (FCRA)• The Fair and Accurate Credit Transactions Act of

2003 (FACTA)• The Equal Credit Opportunity Act (ECOA)• The Fair Credit Billing Act (FCBA)• The Fair Debt Collection Practices Act (FDCPA).

To know more about these laws, visit: http://www.teachmeaboutmoney.org/adults/more-about-credit/#5

Keep in mind that your major

responsibilities is to pay your bills on time, keeping your credit card

balances low and paying off debts.

You should be aware & look out for the following:• identity theft• inaccurate information• and accounts or inquiries that are not

yours

If you notice any suspicious data in your credit report, contact the legally responsible credit reporting company.

Source: http://www.newhorizon.org/credit-info/know-facts-acquire-get-free-credit-report/

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