Do you check your credit file regularly to make sure everything in it is accurate? Do you know what to do if one of your creditors is reporting inaccurate data, such as a delinquent account that has since been paid off? The first step is usually to send them a credit dispute letter detailing the misinformation and requesting that they update your credit file.

Let’s take a look at what a credit dispute letter should include. read more..

As you move into a new month, it’s a great time to get a better handle on your financial situations. Do you really know where you stand in the eyes of current and potential creditors? If you were to apply for a new credit card tomorrow, do you know if you would be approved? One way to get a better idea of your status is to review your credit file regularly so you can monitor changes to your credit history. When was the last time you took a look at your credit file?

Let’s take a look at why it’s important to regularly check your credit history, how often you should get a copy of your credit file, specific times when it’s even more important to check, and the kinds of errors you should be looking for when you do. read more..

You know you need to check your credit file for inaccuracies and evidence of identity theft from time to time. But how do you actually get your credit file? And how much does it cost? Let’s take a quick look at these issues, including why some credit reports are free while other forms of access to your credit file might involve a fee. read more..

You might spring clean your closets, garage, office, and even your computer files. But do you remember to spring clean your credit file? It might be a mess, and if you don’t check on it every once in a while you’ll never know. While you’re cleaning and organising other areas of your life this spring, it’s the perfect time to add your credit file to the list.

Here are some steps you can take to spring clean your credit file to make sure it’s error-free and representing you and your credit history fairly. read more..

Creditors are checking your credit file. How often do you? If you don’t, you might find yourself turned down for credit or you could even make your credit history worse! But when should you check your credit file?

Here are five times when it would be a good idea for you to check your credit file:
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