Tedious and Necessary-What?

All too often the simplest acts can have long term detrimental effects on our lives such as failing to drive cautiously during rush hour traffic during a rain storm increases the potential for a fender-bender or not taking medications as ordered by a physician when diagnosed with hyper-tension or diabetes which are at time life-changing situations. There is one simple act that is quite tedious yet necessary which many of us fail to do and that scammers push from utility poles to mass media marketing: it our knowing what is in our credit file even if we have good credit but is even more necessary if you like myself have made poor financial decision from to time leading to a somewhat negative credit rating.

We are entitled, as some of us know, to one free credit report annually from all three credit reporting agencies, TransUnion, http://www.transunion.com/, Equifax, https://aa.econsumer.equifax.com/aad/landing.ehtmlhttps://aa.econsumer.equifax.com/aad/landing.ehtml and Experian, http://www.experian.com/credit-report-partner/index-g.html?sc=674969.

If it is not possible to get a free credit report from any of these agencies due to online issues or through AnnualCreditReport.com, https://www.annualcreditreport.com/cra/index.jsp, a short phone call to AnnualCreditReport.com, 877-322-8228, will get a detailed report of your choice mailed to you in about 15 days.

While the process of knowing what is on your credit report is tedious it is an extremely necessary part of life especially when where we live or what type of employment we may acquire depends upon it. We have a right to know what is reported on our credit report, the right to dispute what is on it and have inaccuracies fixed or removed just as the reporting agencies have the right to leave undisputed errors on our reports because they realize that some of us view doing our own self-policing of our credit standing as tedious and time consuming or rather leave it up to the “so-called credit repair experts”. In conclusion, knowledge becomes wisdom that no one take from you but illness or death.
Alfred, The Poetician, Harrell Wednesday, June 20, 2012