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« Back to articles from category "Finances"

The following article was published in our article directory on September 6, 2017.
Learn more about SpinDistribute Article Distribution System.

The Parts of the Credit Report

Article Category: Finances

Author Name: Van Vaughn

The credit report is what third parties pull to identify your creditworthiness. It contains vital information for creditors; it will let them know whether you are a responsible borrower who pays your debts well, or if you're a risky individual to lend money to. Credit reporting agencies obtain these details differently, but usually provide the same content.

Personal Profile
The first section contains your personal profile. It states your name together with former names or aliases, former and current addresses, and even your marital status and employment history. Additional information may also include your birth date, driver's license information and Social Security Number. The information stated will help you confirm that the report indeed is all about you.

Accounts Summary
This section gives you an overall view of your financial history and a summary of what is in the credit report. It gives you information on credit limits, open and closed accounts, account total balances, credit inquiries and payment history.

Every account you've established with lenders should be found here. The account type (auto loan, mortgage, bankcard etc.), loan amount or credit limit, date the account was opened, payment history and account balance should all be noted.

Make sure all details are accurate and factual. If you have closed a credit card account, ensure it is noted. There are credit reports that carry closed accounts that still show as open because they were not reported by the consumer to the credit bureaus. This summary will also help you identify any errors in your credit report without having to inspect all other sections. You will see disputable information that needs to be reported immediately to the credit reporting agencies.

Public Records
The Public Records section would include details from court proceedings, receipt of judgments or tax liens, or bankruptcy filings. Additional information includes foreclosure and repossessions. Some states may also include defaults on child support.

This section ideally should have nothing on it. Issues stated here may affect the credit score negatively and can lead to higher interest rates received from lenders. Legal issues related to your finances may stay in the report for 7 to 10 years.

Credit Inquiries
This section shows the inquiries made on your credit report. It contains records of your applications for new credit, and it indicates any authorized access from individuals and businesses. Your credit file can also be pulled, but if it is not related to credit applications, then it won't hurt your score. This section also gives details on the date of the inquiry, and how long it will be on your report. Inquiries related to obtaining credit stays on your credit report for 2 years.

Authorized inquiries or hard pulls can be viewed by creditors on your credit report, whereas unauthorized inquiries or soft pulls are only seen by you alone in your credit report.

Note: This isn't an official template of a credit report, The contents and sections may still vary depending on the credit reporting agencies. This article only aims to give you an idea of what your credit report may contain and how to interpret each section.

About the Author:

Van Vaughn is an advocate for services that provide accurate and helpful information to those in need of credit repair, credit reporting and credit counseling services.  For more information and a free gift visit the website at http://Http://ImproveCredit.org


 

Keywords: credit card debt relief, credit counseling services, credit repair services, how to rebuild credit, credit counseling, consumer credit counseling, credit repair companies, credit consolidation, repair credit, credit help, credit reports, credit reporting agencies, get credit report, credit report, check credit report, credit score, annual credit report, my credit report, credit report score

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