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Questions to Ask about Your Credit Report

Regardless of your income level, it's a good idea to check your credit report periodically, at least on an annual basis. But before you send away for your report, there are some important considerations to keep in mind.

  • Do I need to pay for a credit report?
    The short answer is no, because of government regulation known as the Fair Credit Reporting Act (FCRA). Any consumer reporting agency, otherwise known as a credit bureau, is bound by the terms of the FCRA. It requires each of the three major bureaus to send you a free annual copy of your report upon request. You can contact these credit bureaus directly to get one. However, many people opt to get one by paying a monthly fee to a business that offers a range of additional services, including credit monitoring. Many authorities believe these businesses are wasteful and unnecessary, but some people enjoy the additional security of having their credit scores closely monitored.

  • Can I fix errors on my credit report?
    Credit report errors are more common than you think. In fact, 79 percent of all credit reports contain mistakes. Because these errors can damage your credit score, it is important to check your report on occasion. Any false information on your credit report can be disputed and corrected, and you can do this by directly contacting the agency that sent you the report. However, correcting these errors should not be confused with so-called "credit repair." Keep in mind that legitimate information cannot be removed from your credit report, and you can always correct false information by yourself.
  • National Credit Reporting Association
    If you need to rebuild your credit and don't know where to start, get helpful tips from our association. Our professional credit reporters offer their expertise to make it easier for you.
    Write review for this local business

    Credit Bureau of Columbia Write review for this local business
    515 N College Ave Ste A, Columbia, MO 65201
    (800) 392-0550  
    Certegy Write review for this local business
    111 E Broadway, Columbia, MO 65203
    (573) 815-7589  
    T R W Restoration Write review for this local business
    2412 N Bluff St, Fulton, MO 65251
    (573) 642-9565  
    Credit Bureau Accounts Service Inc Write review for this local business
    1002 Diamond Rdg Ste 500, Jefferson City, MO 65109
    (573) 893-7500  
    Accudata Collection Services Write review for this local business
    1002 Diamond Rdg Ste 500, Jefferson City, MO 65109
    (573) 893-7660  
    Credit Bureau Services Inc Write review for this local business
    314 Jefferson St, Jefferson City, MO 65101
    (573) 636-3576  
    Credit Bureau Accounts Service Inc Write review for this local business
    238 E High St, Jefferson City, MO 65101
    (573) 635-6832  
    Credit Reporting Services Inc Write review for this local business
    123 E 3rd St, Sedalia, MO 65301
    (660) 826-7431  
    Regional Credit Service Write review for this local business
    1201 Jefferson St Ste 150, Washington, MO 63090
    (636) 390-2870  
    Credit Bureau of Quincy Inc Write review for this local business
    510 Maine St Ste 400, Quincy, IL 62301
    (217) 222-6730  

    Many professionals work for credit bureaus, banks, and government agencies. Often this means handling credit reports for individuals and commercial businesses. As you may know, a report like this involves checking out past finances, and determining a score. Many people have a personal credit check done annually in order to make certain their score is good. If it is low, credit can be repaired and the score can be increased. When you work in this field, you will likely have to consult many people and businesses in order to provide them with annual reports. This typically requires some initial education and training.

    Many experts who work for a credit bureau, bank or agency, initially acquire a degree in finance or accounting. Once you have this education, you are better able to assist people with determining their credit ratings or monitoring their scores. As you may know, credit reports can also be acquired online for free. However, there are certain rules and regulations that apply. Some people prefer to pay a small fee and have a bank or agency provide them with an annual credit report in person. This way you do not have to put your financial information online. Depending on the company or agency you work for, you may have to help both individuals with personal credit scores, as well as major businesses with determining annual credit reports.

    This can be a fun and exciting line of work to get involved with. Furthermore, there are a number of opportunities available for these type of financial jobs.