There are there credit reporting bureaus: TranUnion, EquiFax and Experian. All three report generally the same information, though the one nearest your home address will likely have the most recent info. The reports contain information about loans, amount borrowed and when, payment history, current balance, credit inquiries, civil judgments, mortgages and other financial matters. The report also includes your name, spouse, address, phone numbers and place of employment, if this information has been offered and entered into the system.
General agencies furnish general and special reports. General reports are leased by subscribers on a quarterly basis and contain information on capital (based on financial statements), and credit, denoting the grade of credit ratings
Free credit reports are basically what the name implies. It's a report that shows you what your credit is and what kind of credit lines you have currently open or have closed. Freecreditreport.com is a great site that allows you a once a year view of your credit report online.
Debt Education is a website written in a blog format. The information it provides includes debt consolidation, bankruptcy, credit repair, and mortgages.
There are "soft" and "hard" credit check reports. The soft kind is when the credit report is issued to businesses who are engaged in promotional campaigns. They want to see what kind of audience they may have for their product, and what kind of market they can envision. The soft kind includes checks by you and also businesses that have your accounts. The hard credit checks were those made by businesses from who you have applied for credit. A record is kept all of these checks and prospective employers or others may see it.
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Special reports are limited to specific businesses or companies and are obtained under contract. These reports are more extensive than the general reports, and contain background as well as general information
Not if you're the one checking it. It's advised to check each of your credit reports (Equifax, TransUnion, Experian) at least once a year, staggering them out over the course of 12 months. This way, the reports are still free and you can closely monitor your credit. You can pay for more frequent reports or for longer access to your reports, and this won't affect your credit score. In addition, if you've been the victim of any kind of fraud, you are allowed unlimited access to you credit reports for the purpose of monitoring any unauthorized activity.
PrivacyMatters offers information and professional help on credit rating, credit history, and other credit-related information. They have numerous articles about those topics.
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The Bollywood Box Office Reports keep track of many different types of information. This information includes budgets, earnings, names, times, dates, and workers.
The company Riskdisk provides services to check a company's credit reports, and online credit checking services. It is one of the UK's most trusted business credit check agencies around!
Buying a house many times involves obtaining a mortgage. This particular kind of housing loan requires in most cases that people have solid credit reports and average to high credit scores. Even more, applicants need to be gainfully employed or have enough income from self-employment or investments to pay mortgage payment each month. Lenders typically examine this information and use credit reports and scores to determine a person's credit worthiness. People with low scores and poor reports often will be denied financing for a new home. Mortgages also can be used to refinance homes and provide money for home improvements.