Experian Report Access – Free Experian Credit Report
Your Experian Credit Report consists of six overall tabs that are specifically designed to be
easy to read and understand. The Experian Report Access tab sections are:
Your Credit Summary –
The ‘Credit Summary’ tab within your Experian.com/ReportAccess dashboard gives a comprehensive and complete summary indicating the number of credit accounts you possess, the actual fiscal amount of credit currently available to you and what percentage of said credit you’re presently used. Ideally, this is the best place to look if you’re simply interested in a basic overview and estimate of your credit and financial ratio(s) as a whole. www.experian.com/reportaccess
Your Personal Information –
The ‘Personal Information’ tab in your Experian Credit Report highlights all of the basics such as your name, date of birth, Social Security Number, current address, etc. If you’ve used any aliases in the past in regards to your financial or credit history, they’ll also be listed. Despite what you may think, it’s actually extremely important to verify all of this personal information – preferably as soon as you gain access to your report and check for its overall accuracy. Any strange or inaccurate information could mean you’ve been accidentally penalized in regards to your credit score/financial history or, even worse, that you’re potentially the past or current target of an identity thief. If you do find any strange or inaccurate information, contact the listed agencies immediately to clear it up or begin a formal investigation (if necessary).
Your Public Records Information –
The ‘Public Records Information’ tab in your Experian ReportAccess account will consist of any formal judgments that have been filed against you in regards to your credit and/or finances. Essentially, this would include anything such as evictions, liens, bankruptcies, wage garnishments or anything else filed formally within a court on the subject of your finances. Just as with the ‘Personal Information’ tab, you should check and re-check this section for any potential inaccuracies. As surprising as it may seem, such inaccuracies account for detrimental effects on consumer credit scores and histories far more than you may think. experian.com/reportaccess
Your Creditor Information –
The ‘Creditor Information’ tab within your Experian Report Access dashboard focuses on the documentation and contact information needed should you find any inaccuracies within your credit report and/or would like to open a formal dispute with a given agency or creditor. This section will include the physical address, phone number, e-mail address and website (if applicable) for any creditors that you’re on record with.
Your Accounts History –
The ‘Accounts History’ tab in your Experian Credit Report deals with the customized reports of information regarding any and all of your past and present credit/financial accounts. Said information will include whether or not they’re in good-standing, how much is owed or delinquent (if applicable) and when they were formally opened or closed. experian.com/reportaccess
Your Credit Inquiries –
The ‘Credit Inquiries’ tab in your Experian Report Access account documents any official reports issued regarding any credit accounts you’ve applied for. It would strongly behoove you to do your best to keep the amount of inquiries in this section as miniscule as possible, since a high number of credit inquiries are usually an indicator of a consumer with a moderate to high credit risk. www.experian.com/reportaccess
By ensuring that you understand all aspects of your Experian Credit Report you’re ultimately ensuring that you’re always up-to-date and on par with all of your current (and past) credit and financial information. This is absolutely integral if you’re interested in restoring your credit history and raising your credit score.
Click Below For Your Free Experian Credit Report - * Your report will be delivered online in a printable format
I’ve Been Hearing About Identity Theft Quite Often In The News – How Are People Able To Steal Someone’s Identity?
It is indeed difficult to imagine how such a thing can happen. Not to mention chilling. Believe it or not, the vast majority of the time identity theft will begin and end with one simply mishandling their personal identifying carelessly. Many people mistakenly believe that they should just be careful in regards to their social security or credit card numbers, but in reality, even information as simple and basic as your name, current or past addresses and even date of birth can be used to begin the process of stealing your identity. www.experian.com/reportaccess
Most identity thieves are quite crafty (unfortunately) and use various, widely used methods to access this data, including:
Trash-Picking And Rifling Through Dumpsters -
All irony aside, this is arguably the most common method of stealing one’s personal information utilized by identity thieves. Any bills or papers that were thrown away and not shredded beforehand are akin to striking gold for these criminals. experian.com/reportaccess
False Representation –
The more experienced of identity thieves oftentimes will contact you, your friends or family or even any financial or utility companies you’ve done business with under false pretenses. All to simply get your name, current or past addresses, date of birth and other identifying data outlined above.
Card Skimming Devices –
While only implemented recently in the last year or two, card skimming devices represent a frightening and complex evolution for the identity thief. These devices are attached to credit/debit card machines or ATM’s and can either steal your card completely under the guise of a machine malfunction or simply read your card’s information and forward it to whatever tracking system the thief has connected to the device.
Standard Larceny –
The most tried-and-true of the identity thieves methods, the simple act of just stealing someone’s credit or debit card has been used for decades and, unsurprisingly, is still being utilized to this day. While not as widely-utilized as it once was, you should always be wary of your surroundings and keep your credit/debit cards, driver’s license and birth certificate securely stashed within a wallet of some kind. In fact, you should probably not carry around your birth certificate with you wherever you go at all. (You’d be surprised at just how common this practice actually is.) www.experian.com/reportaccess
Internet Identity Theft And Phishing –
The modern face of identity theft for many, stealing personal information on the Internet has naturally become big business for identity thieves of all types. You should always be wary of strange or uncharacteristic requests from financial companies of any kind that request any kind of sensitive information from you. This includes any usernames or logins to financial data you may access online (such as your online bank account) and can come in the guise of a pop-up browser window or a cleverly designed phishing e-mail.
It certainly isn’t pleasant to think on all of these methods identity thieves are using to steal hundreds of thousands of identities each and every year. But the best offense is a good and knowledgeable defense, after all, and now that you’re aware of where these criminals try and strike, you can properly prepare yourself to avoid falling into any of their traps.
When you combine all of this with your Experian Credit Report, you’re ready to take on whatever these thieves have to throw at you. Contrary to popular belief, the average credit report can be several pages long and – if you’re not privy to the industry lingo – quite difficult to understand as well. Since, just like everything else, all credit reports are not made the same, Experian Report Access is one of the few exceptions to this rule and is refreshingly simple and straight-forward to read.
Get Informed and Protect Yourself Now by Getting Your Experian Credit Report and Score, As Well As Free Identity Theft Protection By Clicking Below –
Essentially, being knowledgeable and informed in regards to your financial status equals long term savings -
So How Does Being Knowledgeable and Informed about My Credit Score and History Equate to Long Term Savings?
Well, Experian ReportAccess gives you any and all financial and credit data that you have ever accrued in your lifetime. How regularly you make your payments, how often you miss payments, how many accounts (if any) that are currently delinquent and still marked as money owed – all of this and much more is catalogued. www.experian.com/reportaccess
Utilizing this information along with the other resources provided to you in your Experian Credit Report not only ensures you adequate savings and financial stability in the long term but also the financial freedom to live much more comfortably in the short term.
How Long Does All This Information Stay On My Experian.com/ReportAccess Account?
Usually, any and all credit history information – whether it be good or bad – will remain on your credit report for a total of seven years. As an exception, any bankruptcy filings stay on file for a total of 10 years.
Where Does My Experian Report Access Breakdown Even Come From?
This information comes from and is thoroughly documented and filed by the three major credit bureaus that operate nationwide. They’re Equifax, Transunion and, of course, Experian. All three credit bureaus operate under the authority of the federal government – namely their right to collect, store and distribute any credit and financial information on the average American citizen. www.experian.com/reportaccess
You can view and access the vast majority of your own personal information that these bureaus possess by simply accessing your Experian Report Access account.
What Kind of Other Information Can I Take a Look At With My Experian Credit Report?
In addition to personal information (such as your name, current and past addresses, date of birth, Social Security Number, etc. etc.), current and past employers, overdue and delinquent financial accounts, missed payments and their frequency, tax liens (if applicable) and much more. Essentially, if it’s had anything to do with your credit or financial past history, than it will more than likely be included in your report.
Why Is It So Important That I Check My Experian Credit Report?
Well, not only is it important that you check your Experian ReportAccess account initially, it’s especially important (and infinitely helpful) to frequently check up on your credit score and history utilizing Experian’s excellent consumer service.
Unfortunately, the world that we live in is ruled by credit, at least the financial side of the fence is. Without a moderately good credit score and clean credit history, you’re going to find it extremely difficult to do pretty much anything as far as lending, renting, or owning things outright. So why not utilize the Experian Report Access consumer resource that’s available to all United States citizens free of charge -