Experian Report Access – NO COST Experian Credit Report
Many people are unaware that they are entitled to view their free Experian Credit Report as a consumer through Experian Report Access. In the interest of outlining precisely what your Experian Credit Report entails, here is a breakdown of what you will see in your Experian.com/reportaccess credit report -
The six tabbed sections are:
Experian Credit Report - Personal Information
Basically, this is where you verify that all of said personal information about you is indeed correct. Confirm that your name, address, birthdate, social security number, etc are all reported correctly. Many people overlook this section and take it for granted, but we would strongly recommend you to double and even triple-check this information thoroughly, since any discrepancies could be a red-flag that you’ve had your identity stolen at some point in time.
Experian Credit Report - Credit Summary
Just like its name implies, your credit summary is just that – a summary and overall outline of your credit. This section provides a most excellent way to quickly browse through your financials and make sure everything matches up with what you’ve recently spent/bought/paid off etc.
Experian Credit Report - Accounts History
This will help enable you to look at any and all of your financial transactions in-depth and with many more details. This includes (but is not limited to) individual details on any and all credit cards or loans you may have taken out.
Experian Credit Report - Public Records Information
This is where you can find out and/or view if anything has been recorded against you in any public records or financial books. This includes (but is not limited to) loan/account delinquency, foreclosures, bankruptcies, or any outstanding and due payments.
Experian Credit Report - Credit Inquiries
This will help outline how many different financial institutions or debt collectors have requested to look at your credit report in the recent past. If your credit history has been accessed multiple times in the recent past, it would ultimately mean that you’re most likely a high-risk candidate and as such, set off red flags in regards to your credit/loan eligibility.
Experian Credit Report - Creditor Information
Upon looking at all of the previous sections of the www.Experian.com/ReportAccess report, if you feel that you wish to dispute any of the information or records provided to you then you’ll find a detailed section of contact information for each creditor/lender so that you can formally file a dispute.
Click below to view your Experian, Transunion and Equifax Credit Report at no cost – delivered in a printable format
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Experian Credit Report Score Range
Official credit scores fall within the range of 280-850, with 850 being practically perfect and 280 being as low as you can get. The national average for a credit score in 2010 was 693 and you can keep track of each year’s average from within your Experian ReportAccess control panel.
Since a credit score is essentially an overall assessment of your financial well-being or “credit worthiness”, only a select few credit institutions are authorized to grade and edit your score – with Experian being one of the most well known.
Experian.com/ReportAccess - What Does it Give You As A Consumer?
You can use your free Experian Credit Report to ensure there isn’t any incorrect or inaccurate information contained in your past or current credit profile. You’de be surprised at just how many people’s credit scores are harmed by inaccurate or incorrect information, and your free annual Experian ReportAccess credit report can help safeguard you.
Arguably the most useful feature of Experian Report Access is being able to use it as a sort of tool when you’re negotiating with a bank or any other financial institution for a loan or mortgage. Contrary to belief, you can negotiate and bargain for things such as repayment periods (in regards to banks) and interest rates on home and auto loans.
Www.Experian.com/ReportAccess is a vital tool that you can use to gain a solid understanding of the financial negotiations world, it can help to restore and repair your credit if your score is currently at a less than ideal range. If you’re planning on ever getting ahead, then you need excellent credit in order to obtain a mortgage or home loan. With the economic climate in such turmoil worldwide, it’s just a smart decision to utilize a resource like Experian.com/ReportAccess to know where you currently stand.
Experian ReportAccess will encompass your entire financial history and profile so it can be a vital consumer resource. Click below to view your Experian Credit Report today – free to all United States citizens.
Unfortunetly it’s public domain, so anyone with a “legitimate business need” can get access to your Experian credit report including:
•Those considering granting you credit.
•Employers and potential employers (but only with your consent).
•Companies with which you have a credit account for account monitoring purposes.
•Those considering your application for a government license or benefit if the agency is required to consider your financial status.
•A state or local child support enforcement agency.
•Any government agency (limited usually to your name, address, former addresses, current and former employers).
What should I do if I’m a victim of identity theft?
If you suspect that you’vee been a victim of identity theft or suspect that your Social Security numbe may be compromised in some way, you can recieve a copy of your free Experian Credit Report by clicking below. Included with your Experian Report Access is identity theft and credit fraud protection free of charge.