Welcome to Credit Guide
Nc State Employees Credit Union Article
. For a permanent link to this article, or to bookmark it for further reading, click here.
Knowing and Understanding Your Credit Report
from:One thing that many people are not aware of that could hurt them in the present and future is their credit report. In fact, when it comes to peoples credit reports, many people are not sure as to what are on them as well as how the information can harm them.
Even though there are a couple different companies that supply credit reports, many people do not know where they can get them. However, because your credit report is so important when it comes to purchasing things, it is becoming more known as to where people can get them. In fact, there are many different ways as to how people can find out what is on their credit report and how to obtain a copy of their credit report.
One of the best ways to get a copy of your credit report is by going directly to the credit report agency; where there are three different reporting agencies. When going through the credit report agencies, you can either get through to them by going on the internet and applying for the credit report or you may call them directly. Another way to get a copy of your credit report is by applying for a loan at a bank; where they will then run your credit report to see how your credit looks.
Once you have a copy of your credit report, the most important thing to know is how to read it! Even though it is a printout of your past, there are still many things that you must know and look at. In fact, some of the things that you should look at closely is your credit information; to see if there are any mistakes (whether it is yours or not). Along with looking for any mistakes, you will also want to look at how your payment history is; and if there is room for improvements. Another important thing you will want to keep an eye on in your credit report is who/what has been doing credit checks on you (such as companies that are giving credit cards out or when you apply for a credit card). In fact, many times if there are several companies that do credit checks; that can be harmful to you and your credit report (because it shows that you're applying for one thing or another). Lastly, another very important section that you will want to keep a close eye on (and to keep empty) is the "public records" section; as that will be where the lawsuits and judgments will be (will is the worst thing to be on a credit report).
Whether you are young older, no matter what age you are, your credit report is still one thing that you should look at and keep track of at least once a year; especially since there are so many people that are getting their identities stolen! Your credit report is one was of showing what type of person you are and how you handle your finances!
Nc State Employees Credit Union News
SECU Partners with FBLA and DECA Organizations, Helping 3,900 NC Youth Become Student Leaders!
State Employees’ Credit Union recently helped North Carolina’s Future Business Leaders of America and Distributive Education Clubs of America reach 3,900 NC middle and high school students, encouraging youth leadership and success.
Read more...Two area credit union in three hours, FBI says
PINEVILLE, NC (WBTV) - Federal agents are looking for a man they say robbed a credit union in Pineville Thursday morning. The incident was reported at 9:11 a.m. at the State Employees' Credit Union located
Read more...NC amendment banning same-sex marriage in effect
RALEIGH, N.C. (AP) — North Carolina's constitutional amendment slamming the door on same-sex marriages is now in effect. But the debates on its full meaning continue.
Read more...NC voters approve amendment on gay marriage
North Carolina voters approved a constitutional amendment on Tuesday defining marriage solely as a union between a man and a woman, making it the 30th state to adopt such a ban.
Read more...NC approves amendment on gay marriage
North Carolina approved a constitutional amendment Tuesday defining marriage solely as a union between a man and a woman, becoming the latest state to effectively slam the door shut on same-sex marria
Read more...