AP9 Privacy Plus, IK9 Privacy Plus Explains Why Credit Reports Matter

AP9 Privacy Plus, IK9 Privacy Plus, an Adaptive Marketing LLC^® membership security program, notes that, with the implementation of the Fair and Accurate Credit Transactions Act (the FACT Act), online offers for a free credit report are almost as common as brown leaves in autumn. However, AP9 PrivacyPlus, IK9 Privacy Plus says, this explosion of offers is no reason for choosing not to check your credit report.

If you have an e-mail account or even just spend a little time online, you’ve probably seen a huge increase lately in offers for credit reports and scores. Instead of brushing off credit reports as the latest “get rich quick” or “enhance your [insert body part here]” Internet scheme, though, you might want to take the time to order and study your credit report. Not only should you check to ensure that the information on your credit report is correct, you can — and should — also check for signs of identity theft or fraud.

Your credit report is directly linked to both your financial history and your financial resources, and, according to the U.S. PIRG, “One in four credit reports contains errors serious enough to cause consumers to be denied credit, an apartment lease or a home loan.”

AP9 Privacy Plus, IK9 Privacy Plus encourages you to check your credit report

AP9 Privacy Plus, IK9 Privacy Plus reminds you that only you can verify that the information contained in your credit report is accurate and up-to-date. Through steady monitoring of your credit report, you can uncover and correct inaccuracies more quickly — ideally, before they drag down your credit score.

Regular monitoring can also alert you to signs of identity theft or fraud. If your credit report includes accounts that were opened without your knowledge, or if you find activity on existing accounts that you didn’t authorize (including, for instance, a change of address), you need to take immediate action to find the source of these activities and put a stop to it.

Fortunately, there are programs available these days that can help you address concerns arising from credit reports, whether your concern is a bad credit rating or suspicious activity on one of your accounts. AP9 PrivacyPlus, IK9 Privacy Plus offers you a free credit report and score as well as the tools you need to access and monitor your financial/credit information through credit reporting and monitoring benefits.*

AP9 Privacy Plus, IK9 Privacy Plus members can request a triple credit bureau report that merges the information from all three major credit bureaus — TransUnion, Experian and Equifax — into one. (Because different companies share their transaction information with different credit bureaus, the information on your credit report — and, as a result, your credit score — can vary from one credit bureau to another.)

Whether you choose to join a membership program or simply to work directly with a credit bureau, ordering your credit report can help you make sure someone else doesn’t get rich quick at your expense, and it can help you enhance your future finances by letting you know how your credit measures up today.

This article was prepared for you by AP9 Privacy Plus, IK9 Privacy Plus.

AP9 Privacy Plus, IK9 Privacy Plus

*AP9 PrivacyPlus, IK9 Privacy Plus and its benefit providers are not credit repair service providers and do not receive fees for such services, nor are they credit clinics, credit repair or credit services organizations or businesses, as defined by federal and state law.

Headquartered in Norwalk, Conn., Adaptive Marketing LLC^® is a category leader in membership programs, bringing value direct to consumers through an array of benefits in healthcare, discounts, security and personals. With broad online and offline distribution capabilities, Adaptive Marketing offers its corporate client partners effective tools to enhance market presence, strengthen customer affinity and generate additional value through programs such as AP9 PrivacyPlus, IK9 Privacy Plus.

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