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You can 'freeze' your credit with the 3 credit bureaus, Equifax, Experian, and Transunion. If you do this, your credit can't be run unless you were to contact the bureaus again and 'unfreeze' the credit.

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2006-03-18 22:00:11
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Q: How do you make sure no one is using your credit report?
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What happens after you request a free credit report on line?

You get a free credit report online just make sure its trusted

What is the purpose of a cheap credit report?

The purpose of a cheap credit report is so you can check your credit. And the purpose of checking your credit is to make sure no one is using your information falsely, to make sure you don't have any outstanding bills you don't know about, and to see if there's anything you need to work on for building your credit. There are also several other things you can check on it; like previous addresses and who's been checking your credit.

All users should be alert and report what?

Users of credit cards should be alert and report unauthorized activity that occurs on their account. They should also make sure the charges are accurate and in the right amount.

What sites offer free instant credit reports without having to use a credit card?

You can get a free credit report once a year from Annual Credit Report. There are other sites like Credit Karma that will give you your current credit report without having to use a credit card or signing up for a service. You will need to enter personal information to obtain your credit report so make sure that the site you are using protects your sensitive information.

What is the purpose of TrustedID?

TrustedID is used to help protect your credit and helps against identity theft. They will track purchases to make sure you are the one using you card and/or credit when unusual activity shows up on your credit report.

Can you view your credit report online?

The best place to view your credit report is free credit report dot com. The only problem is the report you get is not the same one that the banks look at for a loan or mortgage. The report you see is good to make sure that no one has opened a credit card in your name.

Why should an average person want a copy of their Experian Credit Report?

The average person wants to check there credit report on a regular basis. This way you can make sure things are being reported accurately. It will also make you aware if there is somebody else using your information which could potentially cause damage to your credit score.

How often can you get a free credit report from True Credit?

According to True Credit you can receive one credit report a year for free. This report incudes reports from the three top reporting agencies. This is good to do annually to make sure everything is clear and correct.

Should i report a student loan payoff?

Always make sure that your credit report only states the most accurate information.

Should a judgment discharged in bankruptcy still be on your credit report?

This shouldn't be on your credit report but often companies or individuals do not take it off. It is your responsibility to contact them and make sure it is accurate.

How can you avoid a credit crunch?

To avoid a credit crunch, you can make sure to get your yearly free Credit Reports. This will allow you to monitor your credit effectively and make sure your report is error free. Balancing how much you spend with how much you make will also make it easier to maintain a good credit score and help you to avoid the credit crunch.

Why do you need a credit report?

A credit report will tell you what exactly is on your credit. You may find credit cards or other lines of credit you never authorized. You may also find credit cards you thought you closed, but didn't. Since business will judge you based on what's on your credit report, it's important to make sure it's all accurate.

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