This week, Nathan Seyfer gives us relevant information about where we can obtain an acccurage credit report. After the Target breach, thousands were affected and many more may have been affected and don't know it yet. In effect, we have all become, well, for lack of a better term "targets" for identity theft! (Pardon the pun) In Target's defense, they did the best they could to notify people as soon as they knew and they are now offering free credit protection. Click here for more information about that as well.
Don't wait until it is too late! When you go to apply for a car loan or a home loan, an identity thief can destroy your good credit that you have worked so hard to build. Thank you Nathan for providing such timely information!
In light of the Target security breach, I thought this might be a useful tidbit:
Where to Obtain Your Truly Free Credit Report
The only truly free way to obtain your credit report/credit file is to request it at: www.annualcreditreport.com
It is a service provided by Equifax/Experian/TransUnion for consumers to review and monitor their credit files. You can request a copy from each repository annually to check for any changes and ensure the information is accurate.
If a tradeline appears that is inaccurate you can start a dispute right on the site and the bureau will investigate and update accordingly. If an inaccuracy appears on one bureau, you would then want to review the other two to ensure it is accurate on those as well.
If you are interested in starting a search for a new home in 2014 or if you are interested in refinancing your existing home, please give me a call!
Mortgage Loan Officer
411 1st Ave SE Ste 100
Cedar Rapids, IA 52401
(319) 378-5508 Office
(319) 331-6770 Cell
(319) 362-1106 Direct Fax
Apply online @ www.nathanseyfer.com
Your Community. Your Credit Union.