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Personal Credit Report
Your personal credit report is an electronic record of your
credit activities. These activities include borrowing money to
buy a car, applying for a loan or credit card and your payment
history of the loans you have taken. Every time you apply for
credit or a loan, potential lenders use this report to see how
you use credit and how much of it you have available.
According to TransUnion, one of the three major credit bureaus,
there are four main areas of content in your personal credit
report: Identifying information, credit history, public records,
and credit inquiries. Your credit report
also shows any current credit that you have. This includes
amounts owed, amounts available, like on a credit card or other
form of revolving credit and payment amounts on installment
loans.
When lenders evaluate your loan request they use the
information on this report to generate your credit rating. The
higher this rating, the more likely you will receive the loan
and at more favorable terms. If you are planning on applying for
credit anytime soon, it's a good idea to take a look at your
credit report before the people reviewing your application do.
This will ensure that you aren't caught off guard by any
unpleasant surprises that may be on your credit report. Many
people have found errors on their credit report that were
bringing down their credit score.
Luckily, getting a copy of your credit report is easy and if
you request it from the right
place it can also be free! A quick
Internet search will direct you to many reputable companies that
will provide you with a copy of your credit report free of
charge. We recommend visiting www.credit-report-cr
edit-score.com to learn more about credit and to obtain a
free copy of your credit report.
If you find errors or false information on your credit report,
they can be disputed and corrected. However, correcting these
mistakes can sometimes be a lengthy process. That is why it is
the best idea to keep a watchful eye on your credit report
activity at all times in addition to checking it before you plan
to apply for credit or a loan. That way, if any errors ever do
make their way on to your credit report you can save valuable
time by correcting them before you are ready to apply for your
next loan.
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Note: This article may be freely
reproduced as long as the authors bio paragraph at the bottom of
this article is included, the article is published "as is"
(unedited) and all URL's are made active hyperlinks with no
syntax changes.
-------------------------
About the author:
This article was written by Beth Pardue who has over 10 years of
experience in the financial industry assisting clients with
assorted financial needs. To get your free credit report and to
learn more about credit reports please visit: http://
www.credit-report-credit-score.com today!
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| Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
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| Equifax Personal Solutions: Credit Reports, Credit Scores ... |
| National consumer credit reporting company that offers credit reports, FICO(R) credit scores and identity theft protection products to consumers and small ... |
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| The FTC's web site on Credit |
| Credit is much more than a piece of plastic, and the resources on this site can help you become a more savvy consumer. You’ll also find compliance ... |
| www.ftc.gov |
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| Federal Trade Commission - Consumer Credit Center |
| Features an assortment of helpful articles related to credit issues. |
| www.ftc.gov |
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| AnnualCreditReport |
| Site set up by the big three credit reporting agencies in the United States, to furnish free annual credit reports, as required by federal law. |
| www.annualcreditreport.com |
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| Springboard - Non-Profit Consumer Credit Management |
| Our mission is simple: To offer education on the wise use of credit. ... SPRINGBOARD has been approved to provide credit counseling services and issue ... |
| www.credit.org |
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| myFICO - FICO Credit Scores, Online Credit Reports and Identity ... |
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| Credit Suisse Global |
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| Experian: Free Credit Report and Credit Score, Credit Check ... |
| Credit referencing and consumer targeting for the USA and other countries. |
| www.experian.com |
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| National Credit Union Administration - Home Page |
| An independent federal agency that supervises and insures 7152 federal credit unions and insures 4240 state-chartered credit unions. |
| www.ncua.gov |
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| Credit - Wikipedia, the free encyclopedia |
| Debits and Credits, a type of bookkeeping entry; Credit (creative arts), acknowledging the ideas or ... Retrieved from "http://en.wikipedia.org/wiki/Credit" ... |
| en.wikipedia.org |
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| Credit (finance) - Wikipedia, the free encyclopedia |
| Any movement of financial capital is normally quite dependent on credit, ... Sometimes if a person has financial instability or difficulty, credit is not ... |
| en.wikipedia.org |
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| The National Foundation for Credit Counseling |
| DebtAdvice.org is a service provided by the Members of the National Foundation for Credit Counseling (NFCC), most of them known as Consumer Credit ... |
| www.nfcc.org |
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| FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
| FreeCreditReport.com: Free credit reports and credit scores from Experian. Get your free credit report and credit score now. It's free, fast, and easy! |
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| Ford Credit provides auto financing to finance a lease or purchase a car or truck through Ford, Lincoln or Mercury dealerships. |
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| The Credit Card Prank |
| In my lifetime, I have made nearly 15000 credit card transactions. ... Credit card signatures are a useless mechanism designed to make you feel safe, ... |
| www.zug.com |
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| Credit magazine, corporate bonds, derivatives, structured credit ... |
| Credit magazine provides information on the international credit markets for credit investors, issuers and market professionals. |
| www.creditmag.com |
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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
| www.cuna.org |
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| Credit/Debt Management - Tools and Advice for Managing Credit and Debt |
| Drowning in debt? Trying to improve your credit score? This is the place for you. Get real world information and tips, as well as the legal low down, ... |
| credit.about.com |
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