Avoid Surprises In Your Credit History by Checking Your Credit Report & Score

When the time comes to rent an apartment (when your Section 8 application is approved), your credit will be perhaps the most important factor in determining whether or not a landlord will allow you to rent a particular unit you’re interested in! HUD gives landlords the right to screen prospective Section 8 tenants to check if they are up-to-date with their bills, etc., so a landlord is within his rights to allow or refuse rent to you based on the information contained in your credit check! Makes you wish you could take a look at your credit report, doesn’t it? Lucky for you, you can!

Tracking your credit online

Authorized providers like YourScoreAndMore.com can be really helpful when it comes to examining your credit report. After signing up for an account, you’ll be able to review information about how credit works and information regarding your individual credit. YourScoreAndMore is particularly useful because it uses financial information that is updated on a monthly basis and allows you to view your Credit Score in addition to your Credit Report.

We highly recommend that you obtain your most recent Credit Score & Report before you have to deal with landlords, to make sure that there are no errors, major issues, etc! The last thing you want is a “Surprise” in your Credit History that you find out about from your landlord! CLICK HERE if you would like to obtain your Credit Report & Score from YourScoreAndMore



Free Annual Credit Report

It is a good idea to check your credit report regularly. Mistakes or unforeseen changes to your credit history can cause you trouble down the line, so federal law gives you the right to three free copies of your credit report each year.

There are three major credit reporting agencies: Experian, Equifax, and TransUnion. You are entitled to one free report from each of these agencies annually. Unlike other credit checks (like those conducted by a mortgage lender, for instance), accessing your free credit report in this fashion does not harm your overall credit score.

You can obtain your credit report from any of the aforementioned agencies at AnnualCreditReport.com. They are available to view online or they can be mailed to your residence. No matter what method you select, having a hard copy is a good idea. If you don’t have a hard copy it can be very difficult to dispute problems.

Your credit report can also be obtained by mailing in a request form that you can find online. 



Scheduling your requests

How often you should get your credit report is a subject of some debate. One group of experts recommend getting a different agency’s report every four months, so that you are regularly checking your score and supporting information throughout the year. Others suggest getting all three at once, one time per year. What you choose to do is really up to you.

Getting extra information

Sometimes, you will be entitled to more than your three annual credit reports. If your circumstances are less than perfect, you may be able to get copies more frequently. Examples of such times are when you are seeking work as an unemployed person, or are a victim of some sort of fraud. Certain states have laws which allow you to request additional copies at no cost.

If you want continued access to your credit information, then we recommend that you subscribe to a credit monitoring service such as YourScoreAndMore.com. A service such as YourScoreAndMore will inform you of any changes to your credit report when it updates each month, and will allow you to monitor your Credit Score (something AnnualCreditReport doesn’t provide).