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Joye Bridal
Credit Report - Quality Information At Your Fingertips
Credit Report - Quality Information At Your Fingertips
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Has anyone ever asked you what your credit report score is? Have you ever been told that your credit report will need to be reviewed when applying for a loan or a job?
This can all be very confusing unless you understand what it is everyone is asking you.
These are important questions for everyone, and it is even more pertinent that you have the answers, or at least know what your credit report says about you.
A credit report is a compiled history of your borrowing and repayment status. Each business reports on a monthly or quarterly basis to three major credit report agencies.
The first of these three being Equifax followed by Experian and Trans Union. When you apply for any type of loan the lender will usually obtain a copy of your credit report from one or all of the reporting agencies.
Your credit report, however, contains much more than just your payment history. It also contains all names you have ever used, including name changes and maiden names.
Your social security number, current address, current employment and all loans you applied for and did not receive are also listed in the credit report. Lenders will review the entire credit report and cross-reference it with any application you have filled out.
It is always a wise decision to check your own credit report from each agency at least twice a year.
The reports are all in an easy-to-read format and often come with detailed instructions. Reviewing your credit report information periodically will give you insight into the areas you need to improve on, or what loans you may be approved for.
This can all be very confusing unless you understand what it is everyone is asking you.
These are important questions for everyone, and it is even more pertinent that you have the answers, or at least know what your credit report says about you.
A credit report is a compiled history of your borrowing and repayment status. Each business reports on a monthly or quarterly basis to three major credit report agencies.
The first of these three being Equifax followed by Experian and Trans Union. When you apply for any type of loan the lender will usually obtain a copy of your credit report from one or all of the reporting agencies.
Your credit report, however, contains much more than just your payment history. It also contains all names you have ever used, including name changes and maiden names.
Your social security number, current address, current employment and all loans you applied for and did not receive are also listed in the credit report. Lenders will review the entire credit report and cross-reference it with any application you have filled out.
It is always a wise decision to check your own credit report from each agency at least twice a year.
The reports are all in an easy-to-read format and often come with detailed instructions. Reviewing your credit report information periodically will give you insight into the areas you need to improve on, or what loans you may be approved for.
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