Is your credit report not up to par even though you are being careful? If you think loan denials are unfounded, you may be right. Errors can sometimes occur in a credit file: you must be vigilant!
L’Ami Auto Crédit in Chicoutimi, La Malbaie, Baie-Comeau, Alma and Sept-Îles will help you see things more clearly: discover the most frequent errors to watch out for. For an express car loan, use our car financing calculator: it’s fast and we offer you a great solution!
To make sure your credit score is not inaccurate, here are the things to check for:
- Wrong information on payments: if you paid a credit card or loan on time, it may show that the payment was late, for example.
- Lack of update: did you know that negative information has an expiration date? In fact, there is a maximum number of days during which it is displayed, after which it must be deleted from the file.
- Accounts you never opened: if you notice loans or credit cards that don’t look familiar, you may be a victim of identity theft.
- Your personal information: your date of birth, address, etc. could be wrong.
If these errors are on your file, they can have many consequences, so it’s best to catch them and fix them quickly!
If you have any doubts about your file or your credit score, our financing experts can help you. Among our services, we offer personalized auto financing, but also a complete evaluation and correction of your file if necessary!