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What do the credit bureaus include on the credit reports?COURT RECORDS
Bankruptcies, judgments, divorces, liens, satisfied judgments or liens are all considered court records and show up on your credit report as negative listings. COLLECTIONS Any time a creditor turns a delinquent account or bad c (more...) |
How long before the negative information will be taken off my credit report?Even though your creditor or the credit bureau can remove negative items whenever they choose, here are the rules set forth by the Fair Credit Reporting Act (FCRA):
1. Most negative items must be taken off in no more than seven years. 2. Bankrupt (more...) |
Who is allowed to see my credit report?Not only do lenders look at your credit report, but many others use it as a yardstick to determine your financial history. Here are examples:
1. Lenders 2. Auto Insurance Companies 3. Life Insurance Companies 4. Employers 5. Renters (more...) |
What are R1 and R9?1. "R" refers to a revolving account
2. "I" refers to an installment account 3. "M" refers to a mortgage account. These ratings are supplied by the creditor and describe you as a borrower. A rating of "1" is good, and a rating of "0" means that (more...) |
Check your credit report and remove any errors.Keeping an eye on your credit is very important to ensure accuracy. Some companies neglect to properly report changes in account status. It's up to you to make sure your credit history is accurate. If you don't watch out for your rating, nobody will. (more...)
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Why should I check my credit report?It's one thing to have bad credit, but it is another to have errors on your credit report through no fault of your own. The result, however, is the same - unless you correct it.
Did you know that you pay a higher interest rate on you car and mort (more...) |
What exactly is a Credit Report?A credit report is a factual record of your credit payment history. It's provided to companies and individuals by credit bureaus for purposes permitted by law, usually to grant you credit. The main purpose of a credit report is to help a credit grant (more...)
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Why should I periodically review my credit report?Identity Theft/Fraud: With identity theft on the rise in the United States, the number one reason to review your credit report at least once a year is to detect and stop fraud – before you need your credit.
You've Never Seen It: You should at leas (more...) |
What Kind of Information Appears on the Credit Report?Identifying Information
Items such as your name, any aliases, current and previous addresses, social security number, possibly marital status. Merchant Trade Lines or Credit Lines These include all regular installment or revolving credit lines s (more...) |
How Long Does Negative (Derogatory) Information Appear on my Credit Report?The Fair Credit Reporting Act (FCRA) requires that most negative credit items be deleted from your credit bureau file after seven years. Exceptions include bankruptcy, which can be reported for up to ten years. The credit grantor or credit bureau has (more...)
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| A credit report is a factual record of your credit payment history. It's provided to companies and individuals by credit bureaus for purposes permitted by law, usually to grant you credit. The main purpose of a credit report is to help a credit grantor decide whether to grant you credit based upon your credit payment history. A credit report is a report generated from your credit file (a database maintained by a credit bureau containing your credit history). More than 190 million people in the United States have a credit card, car loan, mortgage or student loan. Almost every one of them has a credit file. The information in your credit file is obtained directly from the companies you have credit with, as well as from government agencies such as the legal court systems. Free credit report is the most popular service. Credit reports are provided by following credit bureaus: Experian, Equifax, Trans Union. (article courtesy of Credit Factor |
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