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 ...
Would You Agree to a 17000% APR Loan? You Might If You 'Opt In' to Overdraft ...
An overdraft occurs when you don't have enough money in your checking account to cover a transaction. But the bank or credit union pays the transaction anyway. Financial institutions typically charge a high fee for this service in addition to requiring ...
Credit union group offers alternative to payday loans
A group of five area credit unions have signed on to a new program in which they'll partner with employers to offer small cash loans that don't require a credit check. Those involved say one of the primary missions of the initiative is steering people ...
How to Qualify for the Lowest Home Loan Rates
Note that the HELOC quote is based on your FICO score, which is a good reminder that our credit scores have a lot to do with the home loan rates we're offered. ... Shop around. Each lender is likely to view your credit a little differently and offer ...
A Weekly Look at Your Credit Report…With an Overlay of Plain English
Wall Street Journal (blog)
Credit reports detail a person's credit accounts and payment history. The information is used by TransUnion and the other major credit-reporting firms, Experian and Equifax , to calculate credit scores that are used by lenders and sometimes by ...
The Difference Between Hard and Soft Credit Inquiries
U.S. News & World Report (blog)
A soft inquiry is an inquiry that occurs when a person or company checks your credit report as a background check, like when you check your credit score or a mortgage lender preapproves you for a loan. Soft inquiries can occur without your permission ...