If you are looking for a wise decision concerning your credit, then you may want to take a look at your credit report. Once you have obtained a copy of your credit report it is just as important to know how to read it. There are lots of numbers and different accounts on one piece of paper and you will want to be able to understand what you are looking at and what it all means.
Three Major Credit-Reporting Agencies
The three agencies that report on your credit and have the most impact on your credit are Equifax, Experian and TransUnion. These are the three companies from which you want to request your credit report annually. You can get a free copy each year and each of these agencies is easily accessible on line.
What is Reported?
Creditors supply information to the credit reporting agencies. Since each agency receives information from different creditors, and the creditors have various manners of providing information, the information that their reports contain will vary.
The Main Parts of a Credit Report
The credit report contains your personal information, your credit background, credit requests and public records information. Your personal information includes your current and past addresses and telephone numbers, your driver's license number and of course your social security number.
Credit Background
Your background of credit will contain all information for accounts that presently have or have had in the past. This will include the name of the company extending credit and your account number with that company. There are always possibilities of errors so you want to review this section carefully. If you find an error you can contact the agency and have them make necessary corrections.
What Are Public Records?
If you have a criminal record, have ever been arrested and have had any judgements filed against you, these will be reported in the public records section of your credit report. You hope to have no information in this section.
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