There are times when the financial institutions or banks from whom you made transactions with make mistakes. Thus, checking this report should help you to discover the misrepresented financial information so that you can highlight them to the responsible parties, and actions can be taken to rectify them. Once you get your free credit report, you should verify whether the information in it is correct. If you fail to correct discrepancies or wrong information, the information reflected on the report will reflect in your credit history for money lenders to see.
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- 300 - 499 -- Bad Credit
- 700 - 850 -- Excellent or Very Good Credit
- New Credit
- 680 - 699 -- Good Credit
- 550 to 680 = average
- Identifying info
- 450 to 550 = low
- 580 - 619 -- Low Credit
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