If you were to ask any financial expert whether or not you need to check you credit report, chances are they will tell you it is essential information to check up on at least once a year. The average person, however, has never checked their score and i…

Although you might think you only need to fix your credit report by talking to Equifax or one of the bureaus, you’ ll have the best luck if you also contact the creditor. Generally, you’ ll want to speak to the billing department because they are the o…