No one needs to tell you how important your credit history is. We strongly recommend that you review the contents of your three major credit reports (Equifax, TransUnion and Experian) at least annually.
Federal law provides that you have the right to get a complete copy of each of your credit reports. The three major credit reporting agencies have set up a single website to handle most consumer requests for reports: www.annualcreditreport.com (Federal law only requires free reports once a year, but at the beginning of COVID, the credit reporting agencies started to allow free reports weekly. As of this writing, the website still states that it offers weekly reports.) We strongly recommend that you pull each separate report and take some time to look through them all. Significant things that might hurt your credit or indicate problems would include:
When disputing inaccurate information, we have found the best practices to be to:
You can call Jim Feagle at 404 373 1978 or Kris Skaar at 770 427 5600.
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