Lenders usually check your 3-in-1 Credit Report, the most complete
picture of your credit history available. With data provided by all
three national credit bureaus - Experian, Equifax, and Trans Unionyou'll
know the full story.
Find out what personal information the credit bureaus
have in your file.
Make sure all three credit bureaus are reporting your correct name,
address, and employer.
Watch out for incorrect addresses - this may be a sign that an identity
thief has redirected your mail to a false address.
Understand your credit file with an easy-to-read summary of
See all of your essential credit report information at-a-glance.
Make sure all three credit bureaus are reporting accurate information.
Watch out for inaccuracies that could negatively impact your credit
Get detailed information about all of your loans and
credit card accounts.
Is the account open or closed?
What is your monthly payment?
What is your total balance?
What is your maximum limit?
Have you ever had any late payments?
Make sure the information is accurate and up-to-date, consistent between
Watch out for accounts that are not familiarthese could be accounts
that were opened fraudulently in your name.
Discover who's been looking at your credit report.
Make sure you've authorized all of the inquiries.
Watch out for names of companies that are not familiar - if you
haven't authorized the inquiry, it may be a sign of fraud.
Note: When you personally check your credit report with
TrueCredit, the inquiry that is recorded will not adversely affect
your credit standing.
Get contact information for all of your creditors.
Use the addresses and phone numbers to contact them in case you identify
issues that need to be resolved.
Legal Helpmate® gives you resources that allow you to find information about Banking and Finance Law, Credit Report and Credit History affairs
and to understand what is Credit Score and Identity theft:
Many times the credit bureau is busy and does not handle your dispute properly ...
Basic rights under The Fair Credit Reporting Act
All Federal Laws are in consumer's favor and you will have the advantage ...
Credit Scoring and the Lending Industry
Credit scoring is crucial to your ability to get a loan. When you apply for a mortgage, your lender ...
Small Businesses Are Finding Bank Loans Easier to Come By
New York Times
Jake Fitzsimmons and Tiffany Helton own a small chain of build-your-own burger bars in northern Colorado. Credit Kevin Moloney for The New York Times ... Within a couple of weeks, three of the lenders had returned preliminary proposals. ... One reason ...
How to Buy a Home in a Competitive Real Estate Market
It can also help, several months ahead of when you expect to buy, to check your credit reports and credit scores to see what condition your credit is in. Giving yourself time correct any errors or work through any other problems that are hurting your...
Why Your Job Matters When Buying a Home
Credit.com News (blog)
... way to seal the deal. When determining your ability to pay (and therefore determining how much house you can afford), a lender will calculate your average income based on your pay from the past 24 months. ... If you do not have a history of this ...
How do student loans impact your credit score?
To qualify for a FICO credit score -- the credit score most lenders still use -- all that's needed is a credit account of any type (cards, loans) with at least six months of history that has been reported by the lender to the credit bureau within the ...
A FICO score can save you thousands in mortgage interest
Keep in mind that your credit report expires every 90 days. This is especially important if you are already in escrow, as lenders will run a final credit check before closing. A change in your credit score as a result of anything new, for example ...