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Consumer Credit Report

Consumer Credit Report - Information on your credit report consists of personal identity information, credit history, public records, a list of all the other institutions that have requested the report, and a summary of any disputes. Your race, religion, heath, income, driving records, amount of money in the bank account, and criminal records are not included in the report.

Interviewing lenders BEFORE you apply for credit is so important. You need to determine their credit guidelines before you apply. (Read that sentence again!) Many unsecured credit card providers are 100% FICO credit score-based. That's how they can offer you an answer so quickly if you apply by telephone or over the internet.

It is a good idea to keep track of what is on your credit report so you know the information is correct. A good payment history will insure that your report stays current. I would suggest checking your report at least every six months.

It is now time to determine the amount of “cash” that comes into their pocket every month, or the amount that leaves their pocket every month.

It seems a day doesn’t go by without a company announcing it has lost or had customer data stolen. TransUnion Credit Agency has now joined the parade of identity theft.

It’s scary to know how much information is available on a credit report and the impact it has on your daily life. Your credit report is often sold to credit agencies, employers, landlords and many others. Identity theft makes your credit report all the more vulnerable.

Just as credit can't be denied because you retire, single women can't have accounts closed because they marry and married women can't have accounts closed because they divorce or are widowed. Although as with any credit situation, if there's a drastic change in income the terms of the account may be altered.

Kirk's Tips: Don't trust any company that asks you to provide a Social Security number and keep a printout of the Web pages you ordered from.

Learning how to repair bad credit may seem like a very daunting task for anyone because of the many terms and conditions that accompany this process. However, it is, indeed possible to repair credit, if the individual knows how to go about doing it. It may be in the consumers best interest to fix problems without outside help, as opposed to finding an expert financial advisor to help in the matter. In reality, outside sources really can't do anything to improve or fix problems that the consumer couldn't do. In fact, the majority of those who promise to help with credit problems are either scamming innocent people or are taking money for services that could have easily been done for free.

Let's say you purchase your credit scores and you notice your scores are lower than they were the last time you checked even though you didn't make any of the mistakes above. What happened?

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