I checked my record with Experian yesterday and my name was clear. I checked again today and find that I have negative information against me. It's a good idea to review your credit report every few years or when you're getting ready to buy an expensive item such as a car or new home. Taking the time to ensure your credit report is accurate and complete could prevent your loan approval from being delayed. Depending on your circumstances, there are several ways for you to order a copy of your credit report .
Complete instructions are available online.
Likewise, your identity number is an important piece of information to companies like Experian to locate a particular consumer in our database. ID numbers were introduced primarily for population control and voter registration. In credit reporting, the ID number is not as infallible as it might appear. First, not all consumers provide their number when applying for credit. Some consumers provide an incorrect number.