Free Annual Credit Report - Check Your Free Credit Score Online today!

March 30, 2011 - PRLog -- You can obtain your credit score yearly for free online. Obtaining an excellent credit score can be important for individuals who may require borrowing money at prime rate to purchase a house or a car. A person's score is measured by how they make payments and keep current accounts balanced.

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Other factors are cash in hand and income which are required to calculate a person's ratio of debt to income. This DTI compares the amount a person has to pay to creditors by making minimum payments necessary to the amount which he can take home every month. The most important thing which can hurt your personal credit score is having discrepancies. When the account which an individual never acquired, or had paid off already, is shown in default, superb credit scores can go down in a less desirable status which makes lending undesirable. Due to this reason, getting a report and score online is very important.

How Can You Fix the Discrepancies in the Credit Report?

When discrepancies are found in a credit report, which may be due to the negligence of the lender as well as due to fraud, your credit reporting company requires receiving the letter through Certified Mail along with Return Receipt mentioning the discrepancies with the statement which says that 30 days are given to remove the discrepancies according to Federal Fair Credit Reporting Act, otherwise legal action can be taken for character defamation. Getting online free credit report is the consumer's right and it can be thought as his responsibility.

Check your Free Credit Scores Report - http://www.debtconsolidationcc.com/credit-counseling.html

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