Check Your Credit Report Regularly

[Court Reporting]

Identity theft is a type of fraud in which financial information is illegally obtained for the purpose of making unauthorized purchases and transactions with credit cards or funds from financial accounts. A thief can use your personal information such as your name, drivers license, Social Security number, health insurance, or bank account number, to make purchases as if they were you. If this happens, it could be the beginning of a financial disaster that could linger for years and cause you to lose job opportunities, be turned down for credit or loans, and in some cases, ruin
your reputation.

What Is A Credit Report --------------------------

There are three major credit bureaus that collect, maintain, an distribute credit information about you. These companies are Experian, TransUnion, and Equifax. Some of the information you will find in your credit report is; personal information such as your legal name, alias names, addresses,
current and previous employers, and date of birth; your credit summary such as current and past credit status, total number of open and closed accounts, the balances of accounts, if they are current or delinquent; public record information such as federal bankruptcy records, local government court records, liens, judgments, and child support records (information that can stay in your record for up to 10 years); credit inquires - when you apply for a credit card or loan, the institution will make an inquiry to one or more of the credit bureaus; detailed account history.

[Jhenna Cruz]

I would also like to add, re: Chapter 7 bankruptcy, unsecured debts like medical bills and credit card debts can be released. Ultimately, it depends on the circumstances of your own case: how you incurred the debt and how the policy or agreement was worded.

[Callista Gail]

I will warn you though, if you have not checked it before, or proactively tried to get vendors to report, chances are you do not have a strong business credit score because business credit is not automatic like personal credit. Only certain vendors report.

[Hosanna]

What's the importance of checking your credit score regularly? Well you're definitely more likely to notice any problems or errors if you check your credit score on a constant basis. Also if there are any errors you will be able to catch them much earlier. At minimum you should be checking your credit score once a year if not up to three times. Check your credit score with all three bureaus because they are often full of different information. The companies that report to the credit agencies are not obligated to do so and most of the time only report to one or two of them. The most important thing when reading your credit reports is to look for any charges or accounts you're not familiar with. If any such accounts are on your report be sure to notify the Bureau immediately.

Sometimes these mistakes are the credit bureaus fault, but other times it could be caused by some form of identity theft. Finding these mistakes early and correcting them is a great way to improve your credit score.

[riccardorayenz]

All the biggest reason to check your credit report to guard against identity theft. This is a very big problem and many people do not know they have been victims until they mail a bill for something they never applied for and yet get the creditor has demanded payment. Identity theft is the main issue is proving that you have not opened various accounts, and in the meantime, your credit is ruined and it can take years to find.

[selena]

Narrated 'Aisha:

(the mother of the faithful believers) The commencement of the Divine Inspiration to Allah's Apostle was in the form of good dreams which came true like bright day light, and then the love of seclusion was bestowed upon him. He used to go in seclusion in the cave of Hira where he used to worship (Allah alone) continuously for many days before his desire to see his family. He used to take with him the journey food for the stay and then come back to (his wife) Khadija to take his food like-wise again till suddenly the Truth descended upon him while he was in the cave of Hira. The angel came to him and asked him to read. The Prophet replied, "I do not know how to read.

The Prophet added, "The angel caught me (forcefully) and pressed me so hard that I could not bear it any more. He then released me and again asked me to read and I replied, 'I do not know how to read.' Thereupon he caught me again and pressed me a second time till I could not bear it any more. He then released me and again asked me to read but again I replied, 'I do not know how to read (or what shall I read)?' Thereupon he caught me for the third time and pressed me, and then released me and said, 'Read in the name of your Lord, who has created (all that exists) has created man from a clot. Read! And your Lord is the Most Generous." (96.1, 96.2, 96.3) Then Allah's Apostle returned with the Inspiration and with his heart beating severely. Then he went to Khadija bint Khuwailid and said, "Cover me! Cover me!" They covered him till his fear was over and after that he told her everything that had happened and said, "I fear that something may happen to me." Khadija replied, "Never! By Allah, Allah will never disgrace you. You keep good relations with your Kith and kin, help the poor and the destitute, serve your guests generously and assist the deserving calamity-afflicted ones."

Khadija then accompanied him to her cousin Waraqa bin Naufal bin Asad bin 'Abdul 'Uzza, who, during the PreIslamic Period became a Christian and used to write the writing with Hebrew letters. He would write from the Gospel in Hebrew as much as Allah wished him to write. He was an old man and had lost his eyesight. Khadija said to Waraqa, "Listen to the story of your nephew, O my cousin!" Waraqa asked, "O my nephew! What have you seen?" Allah's Apostle described whatever he had seen. Waraqa said, "This is the same one who keeps the secrets (angel Gabriel) whom Allah had sent to Moses. I wish I were young and could live up to the time when your people would turn you out." Allah's Apostle asked, "Will they drive me out?" Waraqa replied in the affirmative and said, "Anyone (man) who came with something similar to what you have brought was treated with hostility; and if I should remain alive till the day when you will be turned out then I would support you strongly." But after a few days Waraqa died and the Divine Inspiration was also paused for a while.

Narrated Jabir bin 'Abdullah Al-Ansari while talking about the period of pause in revelation reporting the speech of the Prophet "While I was walking, all of a sudden I heard a voice from the sky. I looked up and saw the same angel who had visited me at the cave of Hira' sitting on a chair between the sky and the earth. I got afraid of him and came back home and said, 'Wrap me (in blankets).' And then Allah revealed the following Holy Verses (of Quran):

'O you (i.e. Muhammad)! wrapped up in garments!' Arise and warn (the people against Allah's Punishment),... up to 'and desert the idols.' (74.1-5) After this the revelation started coming strongly, frequently and regularly."

[selena]

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[jashdtrns]

Yes it is necessary to check report regularly because there may be some complications in report which we must correct.