Credit Report & Score
Related Information

OUR LEGAL INFORMATION WILL HELP YOU TO BETTER UNDERSTAND A YOUR CREDIT REPORT AND CREDIT SCORE ISSUES.

It is not in your credit report.
Your credit report typically does not contain information about your checking and savings account balances, brokerage accounts, medical history, race, sex, religion, national origin, or your driving record. ...   More details

Kinds of credit scores.
There are many types of credit scores. They are developed by independent companies, credit reporting agencies, and even some lenders. As a rule, the higher the score, the better.
 
Each credit reporting agency calculates your score and eac ...   More details

Kinds of information that are included in my credit report.
Your personal credit report contains such information as your name, current and previous addresses, phone number, Social Security number, date of birth, and current and previous employers. Your spouse's name may appear on your version of the credit r ...   More details

Knowledge is power.
While tracking down every single agency that has information on you is impractical, if not hopeless, just being aware of the existence of these credit report agencies can be useful.
 
If you have cleared your credit record with the three m ...   More details

Learn what's in your credit report and how you can get a copy of credit report.
If you've ever applied for a charge account, a personal loan, insurance, or a job, there's a file about you. This file contains information on where you work and live, how you pay your bills, and whether you've been sued, arrested, or filed for bankr ...   More details

LET GO OF YOUR CREDIT WORRIES.
Limited time offer! Free Credit Alerts for 2004! We'll email you every time your report changes.
 
Identity theft, late payments, inquiries... your credit report can be a great cause of concern in today's world. ...   More details

Limit the number of new accounts and inquiries
An excessive number of new accounts (accounts opened within the last year) or inquiries may indicate that a consumer is desperate for credit, which usually means a credit problem. Too many new accounts can weigh against your credit score.
 More details

Limited credit protection.
Because credit card companies must limit consumer responsibility to $50 in most cases of credit fraud, and because many new cards include "zero responsibility" protection, some people think there's no reason to worry about credit fraud. But ...   More details

Low Credit Score: Why?
Credit rating is health monitor of your creditworthiness. Your credit rating shows the probability that you return the debt. Low credit rating represents negative factors which the creditors see in your credit report. If you credit score becomes low, ...   More details

Maintaining an error-free credit report.
It's one thing to have late payments or delinquencies on your credit report. Everybody has forgotten a payment or two. But it's quite different when somebody else's mistakes cause "dings" on your credit report.
 
Fixing such erro ...   More details