Information About Your State
Total Population:	33,817,220
Average Age:	26
Households in State:	5700.54
Household Income:	$46,920.57
Average Home Value:	$170,069.69
Average Household Size:	2

Credit Checks in California

Are you looking for a new home, loan, or job in California? If you are, then be prepared to have lenders, employers, and landlords access your consumer credit report in California. Now more than ever, creditors take your financial history into consideration before making vital lending decisions. A poor credit score rating in California could stand between you and your personal or professional goals.

Your credit report is the backbone of your financial life. By performing a personal credit check in California, you can save yourself from the undue stress of financial headaches and missed opportunities. Understanding what goes into your credit score and how often lenders check credit reports in California can keep you one step ahead of the game.

But why should you check your personal credit score in California? The most important reason to perform a credit check in California is to flag any inaccuracies that could negatively impact your credit score. These errors may label you a credit risk, resulting in high interest rates and denied credit lines.

Credit report inaccuracies are more common than you might think. In 2004, a survey conducted by the Public Interest Research Group (PIRG) showed that 80% of all credit reports contain errors, with one in four serious enough to result in denied credit. And credit reporting errors may not even be your fault. Everything from computer glitches to identity theft can affect your credit score rating in California.

Check credit reports in California regularly to ensure that your credit rating is both strong and accurate. Scores and reports from credit report services in California may vary, so be sure to check with multiple sources. Check with all three of the major credit report bureaus – Experian, Equifax, and TransUnion – to keep up with your records. You can never be too sure with which bureau your creditors will check.

Checking Your Consumer Credit Report in California

Credit Score
	State	Region	National
Credit Score	662	668	657

Minimum Payments
	State	Region	National
Minimum Payments	$25.23	$28.58	$31.24

Performing a personal credit check in California is no different than checking your records in any other state. While you can receive a free credit report every year, the Federal Trade Commission recommends getting a personal credit check in California at least every few months. My Private Credit provides a service that allows you to instantly receive your report and personal credit score in California.

Credit Report Services in California Include:

Fast Online Access
Receive a full credit check in California immediately at My Private Credit. An annual report may take several days to reach you. If you’re looking to take advantage of good credit, you don’t have time to wait.
Credit Score Rating in California
Your personal credit score in California may be the most important part of your credit report. Lenders use these numbers to determine the interest rates they charge.
3-in-1 Credit Reports
Combined reporting means that you can check all three bureaus’ credit report services in California at once. A 3-in-1 credit check is the best way to ensure the accuracy of your consumer credit report in California.

To find out more about credit report services in California, contact a credit specialist at 1-866-536-2343 or visit MyPrivateCredit.com.

Check Credit Reports in California to Reduce ID Theft Risk

Average Debt
	State	Region	National
Average Debt	$15,003.21	$12,271.77	$9,635.37

Average Inquiry
	State	Region	National
Average Inquiry	12.16	10.17	9.43

In 2006, the Federal Trade Commission reported that 9.9 million consumers were victims of identity theft. Your best weapon against identity theft is knowledge of your credit history. By obtaining a personal credit check in California, you can stay aware of any changes to your personal records and remain in the know about who is checking up on you.

As the threat of identity theft increases, you can rest assured that checking your consumer credit report in California through My Private Credit is completely safe. Our website is secured through VeriSign by 128 bit SSL encryption technology so that your personal data remains private. As an added bonus, My Private Credit’s credit report services in California register as “soft inquiries.” This means that your credit score rating in California will not be negatively affected by your credit check.

Open Credit Cards
	State	Region	National
Open Credit Cards	5.67	5.25	5.26

Late Payments
	State	Region	National
Late Payments	0.93	0.99	1.3

Any way you look at it, getting your consumer credit report in California through MyPrivateCredit.com is a smart move. Check your personal credit score in California and stay informed.

To get the full story on credit checks in California, visit www.MyPrivateCredit.com today.

GET A CREDIT REPORT TODAY!

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