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Check your credit report twice a year — it could save you thousands. Don't let identity theft or errors cost you your dream home.
Thousands of people got ripped off by "free credit report" offers. The only official source for your free annual credit report is AnnualCreditReport.com — mandated by federal law.
Lenders, employers, landlords, auto loan providers, and other service providers buy your credit report to help them decide whether to approve your application for a loan, credit card, job, housing, or to offer you a product or service at a particular rate.
Your credit file changes constantly — it's important that you review your information regularly to check its accuracy.
Name, current and recent addresses, Social Security Number, date of birth, current and previous employers.
Account details, credit limits, payment terms, balances, and payment history. Closed accounts stay 7-11 years.
Records of who has viewed your credit report — lenders, service providers, landlords, insurers. Remain for up to 2 years.
Liens, bankruptcies, and overdue child support. Most stay on your report for 7 years.
Identity theft occurs when someone steals your personal information to take over your credit accounts, open new ones, take out loans, rent apartments, access bank accounts, or commit other crimes using your identity.
When it strikes, the effects can be devastating. Because it frequently involves no physical theft, identity theft may not be noticed until significant damage has been done — often several months and thousands of dollars later.
Going through your mail or trash
Stealing wallets or purses
Completing change-of-address forms
Unsecured Internet sites
Inside sources at stores
Opening new credit cards
Establishing phone service
Opening bank accounts
Counterfeiting checks
Buying cars with auto loans
In one notorious case, the criminal incurred over $100,000 of credit card debt, obtained a federal home loan, and bought homes, motorcycles, and hand guns in the victim's name — all while calling the victim to taunt him.
- US Department of Justice
Check your credit report twice a year. Correct errors before they cost you thousands. Let me help you understand your credit and get pre-approved for your dream home.
Your credit is your financial future. Let's protect it together!
"Miguel told us to check our credit reports before applying for a loan. We found errors that were hurting our score. He helped us dispute them and our score jumped 80 points. We got a much better rate!"
"I had no idea my credit report had mistakes. Miguel recommended I check it before we started the mortgage process. Fixing those errors saved me thousands on my interest rate."
"Miguel guided us through checking our credit reports and improving our scores before buying. We qualified for a much better loan because we prepared ahead of time. His advice was priceless!"
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