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What is a credit report and why is it important?


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Answered 2011-10-05 18:19:24

it is when you check your credit it shows you your score and tells you if it is good or bad and it is important because without it you could spend extra money on something you buy because you have a bad credit report score.

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The three credit report agencies are important because they provide report on your credit and if you encounter fraud, they are the agency that you should report to in order to prevent further damage on your credit card.



A hospital bill can stay on your credit report from 7-10 years. You can learn alot more by getting a credit report from Transunion, Experian or Equifax. You are entitled to one free credit report a year. You can go to annualcreditreport.com and get your free credit report their. It is very important to know what is on your credit report.


A 3 bureau credit report has many benefits. A 3 bureau credit report can protect you from credit fraud by giving you quick access to all of your credit accounts. Another benefit of a 3 bureau credit report is that by getting information on your credit from 3 different bureaus insures no important information is left out.


Once a year everyone can look at their credit report free at www.annualcreditreport.com. It is important to do so once a year to ensure that your report is acurate and to prevent or detect identity theft.


A credit report will tell you what exactly is on your credit. You may find credit cards or other lines of credit you never authorized. You may also find credit cards you thought you closed, but didn't. Since business will judge you based on what's on your credit report, it's important to make sure it's all accurate.


One can obtain a free National Credit Report from any reputable credit report site. These include Free Credit Report, Equifax, and Annual Credit Report.


A report about your credit that is bad.


A credit report includes a list of every request for your credit report in the past two years.


There are several websites where you can get a free credit report. You can also get your credit report from your local credit card company or your accountant can give you a report.


Test... credit .... credit report .... Experian ... experian .... credit credit credit credit credit report credit reporting


In the United States, any institution that extends to you some form of credit can report to the credit bureaus.


There are many ways how a person can access or get a free credit report. There are websites such as, go free credit, free credit report, and credit report all offer free credit reports.


It is very important to check your annual credit report, especially in times like these when identity theft is a growing crime. Check for errors and check for accounts which may have been applied for without your knowledge. it is very important to check that regularly and at proper interval. your credit report is very important in order to get the credits and also one can get the idea if it has reduced one can work on it.


One can get a free credit report score from 'Experian' Other sites that offer free credit report scores include 'Credit Karma', 'my FICO' and 'Free Credit Report'.


You can view your credit report online using the one official annual free credit report agencies. It is Annual Credit Report. Do not bother with the others.


One could get an instant credit report from many different places. One Stop Credit Report gives fast credit reports, as do Credit Karma and Annual Credit Report. These three sites are excellent places to go for an instant credit report.


Get StartedIf you have been denied credit or if other adverse actions regarding your credit have been taken based on your credit report, you may want to obtain a copy of your credit report and verify the information contained in it.The purpose of the Request for a Credit Report letter is to assist you in obtaining a copy of your credit report, particularly if you have been denied credit, employment or insurance within the last 60 days. The credit report tells how you have managed credit in the past and companies examine your credit report before deciding whether to give you new credit. You can request a copy of your credit report by sending a letter to a credit reporting bureau.When you receive your credit report you should carefully review it. You have the right to respond to a negative entry on your report, to have errors corrected, or to have your response made part of your credit report.


it was just a misleading. there is no really free credit report but there's a free credit report trial



When you suppress your credit report, that means that anybody who pulls your credit report will get no information back. It will not even give the header that comes on the credit reports. So if you are looking to get some type of credit do not suppress your credit report.



Filing bankruptcy does not remove a charge off report from a credit card on your credit report. It just adds bankruptcy to your credit report.


The credit report holder can check his or her report as often as they choose. When you check your credit report it is considered a "soft inquiry" and will not affect your status.


Someone can view their own credit report from a number of credit scoring agencies, such as equifax, transunion, and annual credit report, and experian.



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