Credit Solutions by AmOne – How Is Your Credit Health?

How Healthy Is Your Credit?

Your credit health is an important part of your financial identity. Not only can credit health affect your chances of obtaining a loan, but it can also affect whether or not you’re able to rent an apartment or get a new job. TransUnion®, Equifax®, and Experian® are companies that report on your credit health. The term “credit” as it’s used here refers to your past and current borrowing actions and how credit bureaus collect and use that information. Verifying your credit scores, monitoring your credit information, and using identity theft protection services are only parts of maintaining your financial history. You will need to regularly check your finances and your history to help ensure that you know and understand all elements of what goes into having healthy credit along with safeguarding your information from those who would use it illegally. You should also be familiar with the following: Simply knowing where your history stands is only part of maintaining your financial identity. There’s still work to be done to ensure you understand all elements of what goes into building a credit history, keeping it in good standing, repairing it with a credit solutions program if needed, and protecting your personal information from those who would use it illegally.

Is Your Personal Information Accurate?

Is the information on file with the credit bureaus actually your information? Is your middle name missing or inaccurate? Is your Social Security number one digit off? Mistakes can happen. The information reported on your credit report can sometimes be mixed with that of someone with the same name as yours. These mix-ups can lower your credit score, which in turn can affect your ability to obtain loans and increase the cost of your insurance. While not as common, it could even affect your ability to get certain jobs. It’s possible for you to ask for corrections on the information that’s being reported to lenders, but it can often be more beneficial to use a credit solutions expert to make sure that your identity and good financial standing are restored.

Is Your Personal Information Safe?

Do you know what your credit score is? When is the last time you looked at your credit report? If you’ve never seen it, or if you haven’t reviewed it in months, your information may be at risk. Knowing what is in your report gives you an advantage when it comes to identity theft. You can see your entire financial history, including old and new accounts, as well as any liens or judgments against you. If there is suspicious activity, with accounts being opened in your name that you’re not responsible for, knowing this information as soon as possible lowers your risk and limits the damage caused to you. AmOne has done the work for you when it comes to finding reputable, accredited, and highly rated credit solutions programs to help you verify and repair your credit as well as safeguard your personal information. It’s as easy as clicking on the category that interests you or by completing our simple credit solutions form so we can match you – for free – with the highly rated credit solutions program for your needs. You can also call us toll-free at 1-800-809-1107 to speak with one of our knowledgeable credit health specialists.