Copy Of My Credit Report

I have been very careful about protecting my good credit history my whole life. I always pay my bills on time and keep my credit card balances well below their limits. I never bothered getting a copy of my credit report because frankly, I had done everything correctly and thought that I had nothing worry about. How wrong could I be!

My daughter moved out of home recently to move closer to her work. I agreed to put the lease of her apartment under my name because she had very limited credit history and my husband and I both felt that it would make it easier and quicker for her to secure a nice apartment. We found a great apartment just a couple of blocks from her work and I filled out all the application forms required.

A couple of days later the real estate agent called me to inform me that we had missed out on the apartment due to a bad credit score. I could not believe it! I was completely in shock. After I pulled myself together I went and ordered myself a free copy of my credit report. I got the results back instantly and it was very easy to understand.

After a very short investigation we realized that someone had fraudently applied for credit cards using my social security number and identity. This was fast becoming a nightmare. I honestly though that credit identity theft was only something that happened in the movies. Our family accountant referred us to a credit repair service which did an amazing job of removing the incorrect details from my credit report.

I ordered another copy of my credit report just to be sure everything was OK and to my relief it was. We found another apartment and our application was successful.

From now on I’ll be getting a free copy of my credit report every 6 months. I feel so stupid and naive for not checking it earlier. I was so lucky that we were declined for the initial apartment or we never would have known that there was someone out there destroying the credit score that I had worked so hard to build up and protect.

Hopefully my mistake and me sharing it here will help at least one person from making the same mistake that I did. Do you know what is on your credit report?

I did all of this through FreeCreditReports360 and they could have not have possibly been nicer or easier to deal with. I encourage my friends and family to use them regularly as well.