Know Your Credit Report to Avoid Credit Report Repair

Do You Know What Information is Reporting to TransUnion, Experian and Equifax?

Many Houstonians do not know what is reporting on their credit report until they are ready to make a purchase.  Not knowing what is on your credit report can cost you time money, unwanted stress and serious delays! 

Identity Theft  is Common

With today’s technology identity theft is very common.  Many people find they have been a victim of identity theft when they submit an application for a large purchase such as a new home, or a new vehicle. 

Everybody Takes Time to Plan For the Future

Purchasing a new home takes a lot of planning.  Most families save up for months and sometimes years to be able to put a down payment on their home.  Many new home purchases are  planned on a carefully calculated  timeline.  Couples may plan the purchase of their home immediately following marriage.  Parents plan to be in their new home before the birth of their new baby.  Families plan on relocating to another state due to a job transfer.  Parents may be planning on obtaining student loans for children going to college. 

Future Plans Can Be Destroyed Without Notice

The above listed events would all come to a screeching halt if one of the above listed individuals found out somebody had used their information to make a purchase.

Give Yourself the Gift of Impeccable Credit Every Holiday Season

Check the information listed on your credit report periodically.   Make it a habit as soon as you think about the holiday’s arriving, Dec. 1st, to pull your credit report by Experian, TransUnion and Equifax.  This way you will be able to take a pro- active approach. 

Will I Be a Victim of Identity Theft?

Although you never know when you will be a victim of identity theft, you may be able to address the problems before they get out of control. 

Request Your Credit Report

You should request credit report at least once a year.  You may request a free credit report once a year at  https://www.annualcreditreport.com/cra/index.jsp. 

Take the Time to Go Through the Report Line by Line

Go over every item listed on the report.  Make sure each item belongs to you.  Take a look at the personal information to make sure the name, address, ss number and date of birth are all correct.  If something seems suspicious, you may be a victim of identity theft. 

What Happens if I find I have Been a Victim of Identity Theft?

If you have been a victim of identity theft, you must address the issues immediately!  This is in fact your life, being compromised!  We hope you do not need us.  However in the event you do, please contact your local credit report repair company, Impeccable Credit Services 281-298-6811.