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1. Single Credit Report - a snapshot of your credit history.

2. Three Bureau Credit Report - a complete picture of your credit history from all three credit reporting companies.

There are three national credit bureaus that collect information about you—and they do not share data. Equifax, Experian and Trans Union.
When determining your ability to pay back a loan, most lenders examine all three credit reports.

Checking your credit report (aka credit profile, credit file, credit history) frequently is the best way to become familiar with your credit history and to:

Check for inaccuracies that could be hurting your credit score (aka credit rating).
Protect your credit from fraud of identity theft.
Enter into credit situations with confidence because you have the correct information.

Why you should be concerned about credit fraud and identity theft.

Credit fraud and identity theft is a growing problem, and it affects each and every one of us. When a credit card thief purchases goods with a stolen card, it is the creditor that has to cover that cost. Creditors cover this loss by charging cardholders higher interest rates.
Regular monitoring of you credit history helps to prevent credit fraud and identity theft.

Tips To Improving Your Creditworthiness

By observing the following guidelines, you can influence your creditworthiness for the better:

• Pay your bills on time.
  Prove that you are a reliable and consistent consumer.
• Check your credit report regularly and dispute inaccuracies.
  Don't let your creditworthiness be lowered by inaccurate information.
• Watch your debt.
  Keep your account balances below 75% of your available credit.
• Watch your available credit.
  If you have multiple accounts, all with high credit limits, lenders may conclude that your access to excessive unused credit could result in too much debt.
• Avoid excessive inquiries.
  Inquiries mean that you have been seeking credit with various credit grantors, resulting in multiple requests for your credit report. Creditors may view too many inquiries as a sign that you are experiencing financial difficulties.

• Equifax
  (800) 685-1111
  Equifax Credit Information Services, Inc.
  P.O. Box 740241
  Atlanta, GA 30374
  

• Experian
  (888) 397-3742
  P.O. Box 2002
  Allen, TX 75013
  

• Trans Union LLC
  Consumer Disclosure Center
  (800) 888-4213
  P.O. Box 1000
  Chester, PA 19022

What is a credit bureau?

A credit bureau, or credit repository, is an entity that gathers information about consumers' credit histories. Your credit history includes information concerning your identity, your payment habits, and your public record. Credit bureaus sell credit reports to credit grantors, such as banks, finance companies, and retailers. Credit grantors use credit reports to determine whether or not a potential borrower is creditworthy.
There are three major credit bureaus in the United States: Experian, Equifax, and Trans Union. These three bureaus provide nationwide coverage of consumer credit information.

How do the credit bureaus obtain information?

Credit bureaus obtain identification and credit information from credit grantors, such as banks, retailers, and collection agencies. Bureaus obtain monetary-related public record information directly from the court systems.

 

 

How long do the credit bureaus keep my credit information?

The credit bureaus keep your personal credit history for a period of approximately ten years.

Closed or Inactive Accounts - 10 years from the date of last activity.

Derogatory Accounts - 7 years from the date of original delinquency.

Public Records - 7 years from the date of payment or indefinitely if the Public Record is an unpaid tax lien.

How do I dispute inaccurate information on my credit report?

You have the right to dispute any misinformation on your credit report. You should begin the dispute process by contacting the creditor responsible for the inaccuracy. The contact information for each of your creditors is listed at the end of your credit report.

You can also dispute inaccurate information directly with the credit bureaus.

How do I deal with credit fraud?

If fraud is suspected, you should contact the credit bureaus immediately (see contact information below). The bureaus have an established process that will help identify and stop fraudulent activities. In the case of fraud detection, you must inform your creditors and request that they immediately halt all incoming transactions.

 

 

 

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