Credit Report

What is included in your credit reports?

There’s a lot of important information in your credit report. Everything from your personal information and your credit accounts to your public records can be found here.

Personal information

Your personal information is shown in your credit reports, and it's up to you what kind of account goes with them. Whether it be a current or previous address, social security number, employer-related info or the information may pertain to the amount of money spent at different stores using their card.

What is the most important thing about having an accurate credit report? It can make life easier when applying for jobs because employers want someone who will pay on time; they're less likely to employ someone if that person owes debt instead of paying off loans.

• Legal name
• Current and previous addresses
• Date of birth
• Social security number
• Employer information
• Listed phone numbers

Credit accounts

Credit reports also include information about your accounts such as credit cards, auto loans, student loans and mortgages. They also show late payments from credit report or collections associated with these accounts which can be helpful for you to know before applying for a loan.

• Current and former credit cards
• Auto loans
• Student loans
• Mortgages
• Credit limits and amounts
• Account balances
• Account payment histories
• Open and close dates of accounts
• Names of all creditors
• Collection items and accounts

Public records

Your credit reports also contain a list of businesses that have pulled your credit. This includes instances when you applied for new accounts or promotional purposes, and public records are included too.

• Credit inquiries
• Liens
• Foreclosures
• Bankruptcies
• Civil suits and judgements
• Child support payments

Why are credit reports important?

Everybody needs to know their credit report. It is the most important document in your life, and it will dictate the kind of opportunities you have available to you. In order to be successful in this world, you need a good credit score. Not only that, but knowing your report can help you find out if somebody has stolen your identity or committed fraud against you. Knowing how one's personal information is being used by others is crucial for both individuals and businesses alike. Nobody should have to worry about whether or not they are going to get approved for housing just because someone stole their social security number.

Checking your credit reports

Did you know that your Late Payments Stay On Credit Report impacts more than just your ability to get a loan? You may not be aware, but it also affects the cost of renting an apartment, getting car insurance rates, and even the interest rate on student loans. For this reason, it’s important to make sure you check your credit reports regularly.

A lot of people don't realize how often they should be checking their credit reports. Ideally, it's best to look at them once per year. If you're about to apply for a new job or rent an apartment in a different city or state where you have never lived before, it's time to pull out those old reports and take another look.

How to get a free credit report ?

If you're in need of your annual free credit report and want an opportunity to check up on any potential discrepancies or errors, take advantage of this offer. You can also get your free yearly report at AnnualCreditReport.com. This is the only official site authorized by federal law to provide consumers with their three-free copies of a consumer's Equifax, Experian and TransUnion credit reports from each nationwide consumer reporting agency per year.

Credit Repair in my area helps people remove information from their credit reports that is unfairly hurting them. If you have any errors on your report or feel like it's not fair, contact us at our office for a free consultation. Our experienced team can help clear up any misinformation and will go to court if needed.