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Credit Reports

Acting essentially as summaries of consumers’ credit information, credit reports carry quite a bit of importance these days. These reports, which are generated by the three major credit bureaus — Equifax, TransUnion and Experian — detail individuals’ payment histories, outstanding debts, and both their existing and closed credit accounts. All of the various pieces of information in a person’s credit report are used in calculating their credit score, which also is included in the report and is generally the main thing that prospective lenders, employers, landlords and other parties are looking for when they examine the report.

Because your credit report holds a lot of weight, it is definitely in your best interest to familiarize yourself with its contents and keep abreast of any changes to it that might occur over time. You can do this by occasionally ordering copies of the report from the aforementioned credit reporting agencies.

THIS NOTICE IS REQUIRED BY LAW. Read more at FTC.GOV. You have the right to a free credit report from AnnualCreditReport.com or 877-322-8228, the ONLY authorized source under federal law.


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Removing Collections From Your Credit Report

Published January 15, 2013 by

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How to Get Your Free Credit Report

Published January 8, 2013 by

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Disputing Credit Report Errors

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What Is Classified as a “Bad” Credit Score?

Published January 7, 2013 by

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Paid Debts and Your Credit Report: the Differences Between “Paid Collection,” “Paid Was Late” and “Paid Was Charged Off”

Published January 7, 2013 by

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Published January 7, 2013 by

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