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
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This is Money
Checking your file will show you all the credit report information a lender has access to when reviewing your application. It includes the number of accounts you have opened, your repayment history, your available credit and the age of all your accounts.
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The group is calling for passage of legislation that would prevent employers from checking someone's credit score, as well as legislation that would put limits on health care debt, and protect consumers from credit industry abuses. Sens. James Eldridge ...