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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 ...

The Equifax disaster points to a much bigger problem - The ...

Washington Post
The Equifax data breach is a reminder that the current system puts the interests of agencies above the imperative of protecting consumers' financial privacy.
The Equifax disaster points to a much bigger problem - The ...

After Equifax breach, what's a credit freeze and how do I set one up?

Allentown Morning Call
Considering freezing your credit reports. That stops thieves from opening new credit cards or loans in your name, but it also prevents you from opening new accounts. So if you want to apply for something, you need to lift the freeze a few days beforehand.
After Equifax breach, what's a credit freeze and how do I set one up?

Equifax, the Credit Reporting Industry, and What Congress Should Do Next

Harvard Business Review
Even for the experts, the recent data breach at Equifax was staggering. The data that undergirds the credit records of 143 million consumers was compromised. Social Security numbers, dates of birth, and drivers' license records are used to authenticate ...
Equifax, the Credit Reporting Industry, and What Congress Should Do Next

3 Ways to Get a Collections Account Off Your Credit Report

NerdWallet (blog)
Collections on your credit reports can damage your credit score. Here's what you need to know about getting collections removed from your credit history.
3 Ways to Get a Collections Account Off Your Credit Report
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