Your Credit History
Your credit report is your credit history.
It is complied by information about you from many numerous financial sources. Companies that have extended credit to you create reports regarding your accounts to the three main Credit Reporting Agencies: Equifax, Experian and TransUnion. If you are late making payments, to credit companies, utilities, hospitals, landlords and others may report this information to the Credit Reporting Agencies. Your bank may inform the Credit Reporting Agencies if you overdraw your account or do not make credit card, auto loans, or mortgage payments on time. Your credit report may also contain information about delinquent child support payments.
More than just financial information
Your credit report contains your name and any name changes to your name, your address, and previous addresses, telephone number, Social Security number, year and month of birth, and employment information. Your report also includes public records such as civil judgments, tax liens and bankruptcies. You also have the right to know who has inquired about your credit file or has requested your report over the last six months, any report you receive will include the identity of all such inquiries. Inquiries related to pre-approved offers, as well as your own inquiries, are not available to credit grantors. However, they are included in credit reports that you order for yourself. It’s pretty much your entire credit history, all wrapped into one neat package.
Order your credit report today
To find out if you have negative information on your credit report, order a copy and check it carefully. For a full review, you should check all three Credit Reporting Agencies since there may be some differences in the file each agency maintains on you. This should be done at least once a year.
A good time to check your credit report is when you know it is going to be used to make important decisions, such as applying for a loan, renting an apartment or applying for a job. Reports should be ordered at least one to two months before you apply for credit or intend to rent. At times like these, you do not want to be surprised to find that your report contains negative information, especially if that information is inaccurate.
Don’t wait until you have been denied credit or not offered employment. Do it today.
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