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Robert Harding Financial Group

 

18301 North 79th Avenue D-149, Glendale, AZ 85308


Phone: 623-977-9823

Fax: 623-977-0181

Toll Free: 800-977-9823

 

WE OFFER INDEPENDENT UNBIASED NO-STRINGS-ATTACHED FINANCIAL ADVICE. WE ARE COMMITTED TO YOUR FINANCIAL FUTURE!

 

September/October 2020

Understand Your Credit Report

Your credit report affects everything from getting a charge card to getting a job, so it pays to know how to request and understand it.


Your Rights -
Normally, you have a right to see a free credit report once every 12 months—more often if you are refused credit during this time. But, due to the pandemic, the three credit reporting bureaus — Experian, Equifax, and TransUnion— are allowing Americans to access their credit reports for free once per week until April 21, 2021. Get it online at https://www.annualcreditreport.com.


What's There -
Once you receive the report, you’ll want to check for the accuracy of your personal information, credit accounts (including mortgages, loans and card balances), status (either negative or positive) and inquiries. It may also include any bankruptcies and liens. Make sure every account belongs to you and that the information for every account on each report is accurate.


If you find an error, the credit bureau and creditor that reported the error must correct it. Each credit reporting agency posts the steps you need to take to correct any mistake, but they usually start with putting your complaint and the specifics in writing.


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Securities and Investment Advisory Services offered through Geneos Wealth Management, Inc. Member FINRA/SIPC.
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