Okay, it’s not quite that easy.
But the new year does means it’s time for a credit check! Your credit report contains all the raw data used to calculate your credit score – open accounts, current balances, payment history – and while it takes a bit of work to change your credit score, you have to know where you stand before you know where you’re going!
Ever since consumers became entitled to a yearly free credit report (September 1st, 2005 for those of you interested) I have ordered mine to review and I’ve found some pretty interesting inconsistencies – a medical bill from when I was a minor, a lingering credit account that had been paid in full, and a small student loan that belonged to someone with a similar name.
How you taken a look at your credit report recently? It’s a great way to start the year on the right financial footing!
Happy New Year…
