Vivix Credit Solutions reminds you that you have the right to see a copy of your credit report every year at no charge to you.  Equifax, Experian and TransUnion are the three consumer credit reporting companies in the U.S., and the Fair Credit Reporting Act (FCRA) mandates they provide you with a free copy of your credit report when requested, but only once every 12 months.

To receive your free credit report, visit annualcreditreport.com or call 1-877-322-8228.  The Federal Trade Commission, or FTC, acts as the national consumer protection agency the FCRA.  If you have any problem in having your credit report sent to you, contact the FTC or alert your Vivix Credit Solutions representative and they will help you navigate the steps to order your report.  For a copy of your credit score, contact the company that invented credit scoring, FICO, formerly known as Fair Issac.

Your credit report contains some very important information about you including where you live, how you pay your bills, if you’ve been sued or arrested, and if you have ever filed bankruptcy.  The three previously mentioned nationwide consumer reporting companies sell that information about you to businesses such as creditors, insurers, employers, apartment complexes, or anywhere that you apply for credit.  Those companies then consider those factors and determine whether you will be a good risk for them.  These reports are somewhat confusing and having a professional credit representative from Vivix Credit Solutions help you understand them is a good idea.

Ordering your credit report once a year is important for general purposes, but it is an especially wise move to make before you take out a loan.  You need to:

1. Ensure the information contained on the report is accurate. If you apply for a loan to buy a car or house, or even apply for a job, inaccurate information contained therein may send up a red flag.

2. Protect yourself against identify theft, which Vivix Credit solutions reports as a growing problem.  If identify thieves have acquired your private information and opened a credit card in your name, or rented items and didn’t return them, this will show up on your credit report.  Negative information like that will obviously lessen your chances for a loan, or cause you to be charged a higher interest rate, so it is better to learn about the fraud before it is discovered by a creditor.


If you discover an error on your credit report it is the responsibility of both the company that provided the incorrect information and the consumer reporting company to correct the report.  Vivix Credit Solutions urges you to contact them as soon as possible in these cases. You will need to report in writing what information is incorrect and be prepared to provide evidence to back up your claim.  This can develop into a long, tedious and difficult process requiring a lot of time and energy to correct.  Vivix Credit Solutions knows the credit industry and what will be required in order to correct the situation.

Your credit history tells many agencies and companies about you that. It is imperative that the information is accurate.  Ultimately it is up to you to check the report for accuracy and report any errors, but having a professional company such as Vivix Credit Solutions on your side will relieve you from much of this burden.