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Local Business

Three reasons to check your credit report annually


Your credit report can have an impact on much of your life, from buying a home to applying for a loan and how much interest you will pay.

According to a recent study by the National Foundation of Credit Counseling, nearly two in three adults do not get an annual credit report.

Knowing your credit score can help you with your expectations of your ability to obtain credit from a credit card or car loan, even a home loan,” said Rob Kahn, President of FNNB Bank.

Here are 3 reasons to check your credit report every year.

1. It’s free!

You are allowed one free credit report every 12 months from each of the three nationwide credit reporting companies.

Many of these are offered online and they pull your credit so that it does not affect your credit score with an inquiry. The important piece is make sure it is free and you are not required to commit or sign up for anything long term.

2. You can find issues and dispute errors.

It is important to make sure the things you have on your credit report are reporting correctly and that the information is accurate. Verify there are no accounts reporting on your credit are not yours as these could be fraudulent or simply old and never closed out correctly.

“With today’s world becoming more and more technology based, it’s important to know that you information is protected and accurate. Checking your credit can add another layer of ensuring your identity is protected,” Kahn said.

3. Being proactive can help in the future

Good credit has the potential to save you a lot of money in interest payments. If you are happy with your credit, by reviewing your report annually, you can continue to protect yourself year-round.

If you have poor credit, reviewing your credit report will help you figure out how to best rebuild it by looking at which negative factors are bringing it down.

FNNB Bank : 100 N. 2nd Ave. W., Newton, IA 50208 : 641.792.3010 :