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 ...
How Do Inquiries Affect My Credit Score?
Soft inquiry: A soft inquiry occurs when someone who is not a potential lender pulls your credit report. For example, a soft inquiry may appear when an employer pulls your report or when you check your own credit. Soft inquiries appear on your report ...
4 Mistakes That Can Kill Your Credit Score
U.S. News & World Report (blog)
Consider your payment history for a moment – even if you made 50 consecutive payments on time, a single late payment could drop your score drastically and affect your credit health for years to come. With these ... However, potential lenders also care ...
Five Factors That Impact Your Cibil Score
The amount of new credit you have taken or applied for (10%): Every time you apply for a new credit such as a loan, credit card etc., the banks and other financial institutions run an inquiry on your Cibil report to check your credit history to find ...
How to clean up your credit rating 1:14
The site — launched by GetCreditScore.com.au — ranks consumers credit history from zero to 1200, giving them a realistic snapshot of their financial status before they approach a lender. The website has already proved popular among users eager to get ...
5 factors that impact your credit score
Times of India
Every time you apply for a new credit such as a loan or credit card, the banks and other financial institutions run an inquiry on your Cibil report to check your credit history to find out about your financial health and repayment capability. If there ...