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Consumer Credit Reports Online Guide |
Consumer Credit Reports Online Guide The Consumer Credit Report Online Guide is designed as a general resource page describing how to order and check your personal credit report. We provide information on both qualifying for a free credit report and ordering a credit report (single, merged, and/or online) from the major Credit Reporting Agencies (CRAs) - Equifax, Experian (TRW), and Trans Union. In addition we provide information on how to correct any errors you discover after examining your personal credit report. We provide information on subjects including:
The Credit Report Agencies (CRAs) gather consumers' credit histories and then sell that information to credit-grantors, such as banks, retailers or credit-card companies. Nationally, there are three main CRAs: Equifax, Experian (formerly TRW) and Trans Union. Companies use credit reports from the CRAs to evaluate an individual's credit record in a wide range of situations including applications for credit, insurance, employment, and rental housing. Your report can contain the following information about you:
One's credit report is an important aspect of an individuals financial life. They serve as the main repository and reference point of a person’s financial history. It is important to know and understand what's on your report. And of course, to check for mistakes on your report. If you are concerned about your credit - either because of past problems or future plans to apply for credit, housing, or employment - we recommend you order your credit report . (First, make sure to see if you qualify for a free credit report.). Examine the report to familiarize yourself with your recorded financial history and check for and correct and errors. Also remember that while a report from a single agency is a good starting point to monitoring your personal credit history, information provided by each of the CRAs may be different. |
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The information on this page is provided for informational purposes only and is not a substitute for professional financial, credit, or legal advice. Copyright © 2000-2001. All rights reserved. |