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Legal Helpmate® GIVES YOU RESOURCES THAT ALLOW YOU TO FIND OUT YOUR CREDIT REPORT AND CREDIT SCORE

 
 

What is a Credit Score? The three major credit bureaus, Experian, Equifax and Trans Union are similar and feature a "Credit Score", which is created from credit report data submitted to them about you. Their report includes where you live, your bill-paying habits, and bankruptcy and arrest information. The information compiled by them is used to determine whether you would be a good borrower. It may also be used by a business to decide whether you would be a good employee.

 
 
 Why you need to see your Credit Report?
 
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Your credit score is important for obtaining credit. Your credit score is important to know, whether you need a new credit card, an auto loan, or a mortgage. Lenders use your credit scores to decide whether you are a good credit risk. If you have a high credit score, you are more likely to obtain the best rates.

Another reason why you need to see your credit report is to know if credit report contains errors. Mistakes do happen. Most people have forgotten a payment or two, but it's quite different when somebody else's mistakes cause false delinquencies and problems on your report. Fixing such errors is important because unfavorable information on your credit report, whether it is accurate or a mistake, affects your ability to borrow money.

Identity theft is a crucial reason to know what is on your credit report. Identity theft is a crime in which someone pretends to be you by obtaining key pieces of information such as your Social Security and driver's license numbers, and obtains a credit card or a loan, merchandise or services in your name. You are left with a ruined credit history. Last year, the identity of an estimated 7 million Americans was stolen. The easiest way to find out if you are a victim is to see your credit report. The longer you are not aware of what is happening, the more time-consuming and complicated becomes the task of repairing the damage.

 
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How to Read Credit Report
How to Read Credit Score & Analysis
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How to Read 3-in-1 Credit Report

 
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 How do you use your credit report?
 
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You can correct errors. Imagine that you are punctual in your payments, but for some reason one is reported as late. The Fair Credit Reporting Act requires that both the credit bureau and the reporting business correct mistakes or incomplete information on your report. But you have to let them know in writing. If any creditor agrees there is a mistake, they must notify the other credit bureaus so they can correct the information in their files. If the disputed item cannot be verified, it must be deleted from your files. We can inform you in greater detail on the steps to be taken to clear mistakes in your credit report.

 
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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 ...

God Can't Get His Credit Report From Equifax

Gizmodo
Dealing with credit agencies can be a real pain. A lot of times it feels like the credit bureaus just don't care about regular folks like you and me. We're not alone—turns out, even God can't get an accurate credit report. Because Equifax doesn't ...
God Can't Get His Credit Report From Equifax

Man named God sues Equifax over credit report

WRTV Indianapolis
BROOKLYN, N.Y. - A man with a divine name is suing a major credit reporting agency after a two-year battle that has caused him a financial headache. God Martovich Gazarov, 26, of Brooklyn, N.Y., a Russian native who became a naturalized citizen in ...
Man named God sues Equifax over credit report

Here's Why You Need to Check Your Child's Credit Report

Fox Business
Therefore, a credit report in the name of a child who has never applied for or been granted credit is likely a sign that something is amiss. Parents who suspect a problem may want to contact the credit reporting agencies to find out if a report exists ...
Here's Why You Need to Check Your Child's Credit Report

New Legislation Aims To Ensure Accurate Credit Reports, Provide Free Credit ...

The Consumerist
Even a small inaccuracy on a consumer's credit report can have long-lasting negative affects. From the most simple computer error to mixing up individual's data, credit reporting agencies have been known to be hard to work with when trying to fix ...
New Legislation Aims To Ensure Accurate Credit Reports, Provide Free Credit ...
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