Wednesday, January 21, 2009

AnnualCreditReport.com

Picture this: you apply for your “dream” job after being unemployed for three months. You get called back for an interview that you think went great. Then after waiting anxiously by the phone for what seems like an eternity, you get a letter, not a phone call, but a letter in the mail that states, “Thank you for your interest in this position, but we are not able to hire you because you have poor credit.” How could this be? You haven’t been late on any payments.


It’s not likely that you would receive that much information in a job rejection letter. But, it is possible that a credit history with inaccuracies can affect your ability to get a job. That is why it is important to check your credit history regularly for any discrepancies. You may find that someone stole your identity and is wreaking havoc with your good name or that a payment you made on time was posted as being late.


Where can you get a copy of your credit report? Each year you can request one free credit report that lists your credit history in detail from the credit bureaus Experian, TransUnion and Equifax at https://www.annualcreditreport.com/cra/index.jsp. However, you will have to pay extra to get your current credit score.


If you do not have Internet access, you can order a report from each credit bureau via mail:


Experian
Consumer Assistance
PO Box 2104
Allen, TX 75013-2104


TransUnion
Consumer Relations
PO Box 390
Springfield, PA 19064-0390


Equifax
Consumer Relations
PO Box 105783
Atlanta, GA 30348

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