What’s on your Credit Report?

  • Identifying information — such as your name, address (current and previous), social security number, phone number, and date of birth.
  • Current and previous employment Information — as last reported by creditors.
  • Credit history — payment history for retail credit cards, mortgages, banks, etc.
  • Public records — tax liens, court judgments, bankruptcies.
  • Inquiries — who has requested and received a copy of your report.

What Should You Do During Your Review?

  • Identify any potential errors and contact the creditor directly. Note the following potentials:
  • – Identity Theft
    – Same or Similar Names
    – Human or Computer Error

  • Make sure your closed accounts are listed as closed.
  • If you are currently applying for a loan, inform your lender of any incorrect information in your report.
  • Open collections should be paid.

What’s in a Number?
Credit Scores include factors such as:

  • Your payment history.
  • How much debt you have.
  • Length of credit history.
  • How much new credit you have.
  • Types of credit you use.
  • Scores may be from 300 – 850.
  • The higher the score, the better.

Other Factors to Consider

  • Income
  • Savings
  • Other Assets
  • Property