Q&A: How to read and fix your personal credit report
A good Q&A article from today's Seattle Times:
"A transposed Social Security number. One woman's financial information intertwined with her sister's. Late payments from long ago that live on as a low credit score.
These are among errors and issues Seattle Times readers have encountered as they picked through their credit reports recently.
Last month, Washington became one of the first states where residents are eligible to receive a free annual credit report from each of the three major credit bureaus: Equifax, Experian and TransUnion.
For some people, it was the first time they had ever seen their credit information: a detailed financial record used by lenders, landlords, cellphone companies and others to decide whether to extend credit, accept a new tenant, even make a job offer.
'It's very eye-opening,' said Norma Garcia of Consumers Union. 'When the public realizes how the information is tied to so many things in their lives, they're going to make noise about the things that don't work.'
Yes, they are.
More than three dozen readers wrote or called us to ask questions or express concerns about what they found recently in their credit files.
Some were startled to see all the details of their financial lives laid bare. Others were aggravated by how difficult it was to fix an error or wondered how to raise their credit score."
Credit Report Q&A from the Seattle Times
"A transposed Social Security number. One woman's financial information intertwined with her sister's. Late payments from long ago that live on as a low credit score.
These are among errors and issues Seattle Times readers have encountered as they picked through their credit reports recently.
Last month, Washington became one of the first states where residents are eligible to receive a free annual credit report from each of the three major credit bureaus: Equifax, Experian and TransUnion.
For some people, it was the first time they had ever seen their credit information: a detailed financial record used by lenders, landlords, cellphone companies and others to decide whether to extend credit, accept a new tenant, even make a job offer.
'It's very eye-opening,' said Norma Garcia of Consumers Union. 'When the public realizes how the information is tied to so many things in their lives, they're going to make noise about the things that don't work.'
Yes, they are.
More than three dozen readers wrote or called us to ask questions or express concerns about what they found recently in their credit files.
Some were startled to see all the details of their financial lives laid bare. Others were aggravated by how difficult it was to fix an error or wondered how to raise their credit score."
Credit Report Q&A from the Seattle Times
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