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3-in-1 Credit Report
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 your report.
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 standing.
 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 credit bureaus.
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:

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Credit report correction techniques  

Credit report correction techniques

Many times the credit bureau is busy and does not handle your dispute properly ...
Basic rights under The Fair Credit Reporting Act  

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 and the Lending Industry

Credit scoring is crucial to your ability to get a loan. When you apply for a mortgage, your lender ...

Buy a house in LA: How I managed to put just 4 percent down

Curbed LA
After researching several mortgage lenders we ultimately chose a company on the trusted recommendation of a realtor family friend (who also recommended our real estate agent). We liked that our loan officer, Gian Ceretto, ... We had to turn over proof ...
Buy a house in LA: How I managed to put just 4 percent down

Credit scores likely to rise

Chicago Tribune
The three most important factors that determine your FICO score are: payment history, total debt outstanding (which takes into account how many accounts you have and how close you are to your credit limit), and the number of hard credit inquiries made ...
Credit scores likely to rise

How To Build, Rebuild And Protect Your Credit Scores

WBUR
The problem with having several credit cards is that you have to monitor them all and make sure they're being paid on time. They are NOT hurting your scores and they're probably helping. Check your credit reports at least once a year. Errors on reports ...
How To Build, Rebuild And Protect Your Credit Scores

Eliminate Your Student Loans Faster With These 4 Moves

Forbes
With most lenders, you can check your new interest rate in two minutes without impacting your credit score. Recommended Calculator: This student loan refinancing calculator can help you quickly calculate how much you can save when you refinance your ...
Eliminate Your Student Loans Faster With These 4 Moves

The 8 reasons banks say no - and how to make sure you get accepted next time

Mirror.co.uk
Check your credit report and score with the credit reference agency the lender used. Make sure everything is correct and if there are any errors ask the agency to correct them. If your score's not great, see if you can improve it before trying another ...
The 8 reasons banks say no - and how to make sure you get accepted next time
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