Credit Report: Order it, View it, Understand it, Improve it
Credit Report awareness is essential to personal finance. Your personal credit report has become the most important document in your financial life because it tells those wishing to do business with you, those who want to employ you, and those from whom you'd like to rent or borrow, whether or not you can be trusted. It is the way that your good name, your reputation, and your integrity is determined in this high-tech age of impersonal transactions.
Here at One Stop Credit Report, we provide the online resources for you to order and see your personal credit report, understand it, and improve it.
Experian, Equifax, Trans Union, and TRW
Experian, Equifax, and Trans Union are the three national credit reporting agencies. (TRW credit report services were sold to a new company, Experian, in 1996.) Separately, the three major bureaus maintain huge databases of millions of consumers. If you ever had a credit card or you've ever taken out a loan, you are likely to be in their files. Your account and payment information, along with name, age, employment, and current address information, is sent to the three national credit repositories on a regular basis by many of the companies and financial institutions that have granted you credit. The credit reporting agencies supplement this data with public record information: court judgements, liens, foreclosures, and bankruptcy filings.
Credit report data is of interest to many individuals, companies, and financial institutions that would like to see it. The three credit reporting agencies (also known as credit bureaus) only allow their paying subscribers to obtain the data, and only for permissible purposes as identified in the Fair Credit Reporting Act.
The information about you is presented to the bureau subscriber in the form of what is commonly called a credit report.
A credit score can also be included, at the request of the bureau subscriber. The score measures predicted creditworthiness as a number, based on all the relevant factors in the credit report.
You have the right to see your Credit Report
You are guaranteed by the Fair Credit Reporting Act, the right to see what is in your own credit report. Consumer experts recommend that you check your own credit on a regular basis. Here are just a few reasons...
To see your personal credit report for the first time can be an eye-opening experience. You probably already have a feeling about whether your credit is good or bad. Your credit report tells you exactly.
Would you like to know what is being said about you? Click here to see your credit report now!