It goes without saying that every smart consumer always monitors his credit standing. As you know it usually doesn’t take much for making a credit score plummet, so as follows from this it would be a wise solution for you to check your own credit report at least yearly. It’s known that everyone is entitled to a so called free credit report at least once a year. But besides this there are also paid options. I suppose we should take a closer look at these paid credit reporting services.
First of all I’d like to mention FICO scores because they are considered to be one of the most important parts of credit reporting. You should realize that a free credit report can’t show you what your real score is. It can only show you all the items which are reflected in the report. I should say that the scoring system is usually done by a private organization with data collected from your credit bureau reports. I’d like to add that these scores are used by many lenders for the purpose of evaluating your credit worthiness. If being aware of your score is really important for your then you will require utilizing a paid service.
Of course I should also mention credit monitoring. So a lot of paid services are able to monitor your credit report. It goes without saying that they are going to do it on your behalf. If something changes or added and dropped then you’ll be notified of it on time. It also can help you to prevent identity theft. It’s clear that dealing with potential fraud will help you to correct your particular situation without any ghastly consequences.
I should say that disputing items on your report is rather simple. If you have got a lot of items which require to be disputed, then a paid service may appear to be beneficial for you. In fact some paid services will offer you disputing multiple items. The matter is that they handle these problems almost every day and accordingly they have got all the information required to start a dispute. In this case most probably you won’t experience numerous delays in having items removed from your report.
Of course you want to know whether a paid option is appropriate for you or not. So to say the truth it will depend on some factors. If you want to be aware of your score or you are mainly concerned about theft and you’ve got much to fix on your report then a paid service will save you a lot of time from my point of view. Of course you know your needs much better than me. So it’s up to you to make this choice. I hope it will be rational.
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