Have you recently applied for a loan only to be turned down? Your credit score was too low and they can't help you? Been there and done that, believe me. It's very embarrassing and you can't remember exactly which one it was that you messed up. Believe me, you can find out by checking your credit report. The first thing banks, lenders, and credit card companies look at when considering you for a loan, a mortgage, or a charge account is your credit report.
It's possible you didn't do a thing and someone else has been using your identity. You can obtain a totally free credit report from each reporting agency per year, to keep up with your credit account. The Fair Credit Reporting Act, established in 1970, give you the right to ask for a report for these companies. Getting your free credit score is essential to you maintaining your credit effectively. Someone using your identity, to obtain credit or loans, can reek havoc with your established credit. On your annual credit report things like this are like red flags, to companies who are trying to help you with your debts. They should be to you as well, since it's your credit that's being abused. Credit Nexus, can help you find the freedom from this situation.
