The New Year is a great time for positive changes. So here's my monthly tip for you: Why not check your "grades" with the credit reporting agencies? You're entitled by Federal Law to a free copy of your credit report annually. Visit www.annualcreditreport.com to request yours.
Once you've received it, look for any errors and/or signs of potential fraud. If you see something that's incorrect, let the credit reporting agency know, in writing, that you're disputing the information. Tell them precisely which information you believe to be incorrect, state the facts, and be sure to include copies of any documentation to support your claim. Let them know that you'd like them to either correct or delete the inaccurate information. You may also want to include a copy of the report with the items in question circled.
Checking your credit report annually is a good practice. Not only can it help you detect warning signs of possible identity theft, correcting inaccurate information may help to improve your credit score (which, of course, is important for a variety of reasons.)
Questions? Please feel free to give me a call. I'm here for you. Every season.