​CREDIT COUNSEL​ING

YOUR CREDIT SCORE AND THE CONTENT OF YOUR CREDIT REPORT CAN AFFECT YOUR FINANCES, YOU NEED TO BE AWARE OF THE SPECIFIC TRADES IN YOUR CREDIT REPORT


You must review the content of your credit report on a regular basis and at least once a year, all taxpayers should follow these steps to protect your credit report:


  • Order your credit report from all major credit bureaus: Transunion, Equifax, and Experian, you can order them at no cost at www.annualcreditreport.com
  • This is a non commercial website, the Annual Credit Report is the only real source for no cost credit reports, and is authorized by federal law.
  • Credit reports affect mortgage rates, rental of apartments applications, job applications, and credit card approvals.
  • All taxpayers must ensure that the information on all credit reports is up to date and correct.
  • A negative occurrence in a credit card payment can take up to two months to be reported in a credit report.
  • When you review your credit report make sure that you recognize all loans, and closed and open accounts on the report.