It's time to check out your credit score if you consider to buy a home in Cleveland OH or anywhere in the United States in few months, so you can still benefit from Home buyers tax credit.
Monitoring and reviewing your credit reports is a good idea for everyone. According to Equifax,
- more than 27 million Americans have been victims of identity theft in the last five years
- only this year about 500,000 people will be robbed by identity thievs
- there is likely to be a "mass victimization" of the consumers within the next two years
- it may take six months to two years to recover from identity theft.
Even if you get pre-approved by the mortgage lender and If you are going to buy a house within next few months, it might be wise to monitor your credit in order to avoid unwilling surprises.
Consumers are entitled to receive one free credit report every 12 months from each of the nationwide consumer credit reporting companies – Equifax, Experian and TransUnion. Free credit report can be requested through the website https://www.annualcreditreport.com/cra/index.jsp.
The addresses for the credit reporting agencies are listed below:
Equifax
P.O. Box 740256
Atlanta, Georgia 30374
Experian
P.O. Box 9554
Allen, Texas 75013
TransUnion
P.O. Box 6790
Fullerton, CA 92834
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