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Most Recent Articles in Credit Report

  • Importance of credit reports in a person’s life

    by Ruth Racey

    Since most Americans own not just one but at times a dozen credit cards, it is important to keep track of a person’s credit standing, credit transactions, the kind of credit he has or has availed, the purchases he/she made and so on. All these information are all available when … (more) January 26, 2011

  • Your credit report explained better

    by Ruth Racey

    A credit report consists of relevant information about an individual’s payment history such as loans, insurance policies, credit cards and bank accounts. This includes specific details such as the credit card or loan issuer, account type, duration of usage starting from the approval date until termination if any; otherwise the … (more) January 9, 2011

  • Credit report versus credit score

    by Ruth Racey

    Credit reputation refers to an individual’s overall status as presented by two major credit categories: credit report and credit score. The former, credit report refers to a complete annually compiled public record documentation which consists of approved loans and credit card history from three major credit unions: Equifax, Trans Union, … (more) January 4, 2011

  • Should we care about credit reports?

    by admin

    You should not wait until you are applying for a house mortgage or a loan before checking the status of your credit report.  Once you apply for a loan, it gives the lending company or the mortgage company the right to take a close look at your credit history. Your … (more) December 22, 2010

  • Why do I need to check my credit report?

    by admin

    The government allows a person a free copy of their credit report each year. With the ever changing facts on your credit history, one look annually is not enough for us to monitor it closely. You may ask some companies to give you a monthly or a quarterly copy of … (more) December 18, 2010