Credit reports and the information that they contain are one of the most important pieces of personal information that is used today. This collective of information is referred to as a credit history. Credit reports are maintained by credit bureaus and are accessed as a reference point to in determining a great number of things.
Maintaining a good credit history is vital. A credit history contains information regarding a person’s worthiness as a borrower. A credit report may contain information in regards to a person’s employment or rental history, information regarding the unpaid outstanding balance of any account that has been submitted to a credit bureau and information regarding the on time payment of accounts. Another thing that may be noted on a credit report is a fraud alert.
A fraud alert is a note that is filed with any of the three credit bureaus, TransUnion, Experian, and Equifax that indicates a person believes that there has been fraudulent activity involving the use of their credit or identity. When suspected fraudulent activity has taken place, a person needs to gather supporting evidence and file a police report. Once a police report has been filed, they can contact one of the credit bureaus and supply a copy of the police report and other information that they may request. The bureau that places the fraud alert will in turn notify the other two agencies as well. A fraud alert remains for either 90 days or as long as 7 years depending upon certain circumstances.
Credit reports are used by a variety of companies and agencies for a variety of reasons. A credit report may be used to help in deciding whether or not a job applicant will be hired as an employee. An individual landlord or leasing agency may request a copy of a person’s credit report before renting out a home or apartment. Credit reports can also affect other important matters such as being approved or denied for a loan or a line of credit with another company.
As the use of credit reports as an indication of a person’s character increases, so does the importance of maintaining good credit.
Credit reports online are reliable. These reports are taken from the same three major credit bureaus that lenders will pull their own reports from.
There IS no government site for free credit reports, since credit reports are provided by private firms, NOT by the government.
Each person is eligible for three free credit reports a year. These reports are available from the following credit reports bureaus: Equifax, Experian, and TransUnion.
It is possible to obtain all 3 credit reports at once through Equifax. Your three credit bureau reports will include reports from Equifax, Experian, and TransUnion.
There are three different credit reports. Experian, Equifax, TransUnion
Yes, free online credit reports are usually pulled from the 3 major credit bureaus Experian, Equifax and Trans Union. These are the same credit reports your lenders will pull if they pull your credit.
Your credit follows you individually. If you have joint accounts then they appear on both of your credit reports.
You can get free annual credit reports online from www.freecreditreport.com.
For those looking to obtain 3 free credit scores and credit reports they may be able to get it from the Free Score website. The site offers 3 free credit scores and credit reports from 3 credit bureaus.
Transunion Credit Reports works by allowing you to see your credit report. They take your information and show you what your credit rating is based on your history.
Finding Free Credit Reports is a simple task to do. There are a hosts of websites that offer free Free Credit reports for working class individual and the website Free Credit Score is an official site to check out a credit report.
yes, it will remain on your credit reports for 7 years