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HOW CAN I ASSESS MY CREDIT HISTORY?Do you need to know what your credit looks like? Fortunately, conducting the research is easy. Once a year, you should assess your credit history and clear up any misrepresentations. The “big three” –Equifax, Experian and Transunion—credit bureaus share your credit information with lenders and creditors when you apply for a loan or a credit card. They keep track of your address, your employment and every payment and account you have. Article: Maintain a Good Credit Rating Requesting a ReportAs of September 1, 2005, free annual credit reports are available in all states. To learn more about annual credit reports, visit http://www.annualcreditreport.com, or call (877) 322-8228. Each report is usually less than $10 a piece; but they are free if you’ve been turned down for credit, employment or housing in the past 60 days. Monitoring your credit for accuracy is always a good idea, and we’ve included contact information for you.
Credit Report Errors and Their ImpactLook for inaccuracies. The bureaus are required to investigate and correct them. Also look for items that could lower your credit rating, such as open lines of credit or credit cards you never use. Keep in mind that when borrowing money, lenders look at how much you owe, as well as how much open debt you have available. You may want to consider consolidating your credit into one easy to manage account.
 All loans are subject to credit approval, acceptable collateral and available equity, and are originated by Wachovia Bank, National Association, Wachovia Mortgage, FSB, Wachovia Financial Services, Inc. or Wachovia Bank of Delaware, National Association. All loan products are not available in all states and are subject to change without notice. Certain restrictions apply. Only deposit products are FDIC-insured. Member FDIC Personal Finance Login
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