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Credit Report

Your credit report is one of the most important documents on file about your financial worth. Your credit report includes personal information such as your name, address, and Social Security Number. Your credit report also includes historical data such as previous addresses, current and previous employers, and public records like bankruptcies, liens or judgments. Most importantly, your credit report contains your credit card, mortgage and loan payment history. Reports indicate that over 70% of credit reports contain inacurracies. That means you may be paying for a mistake that isn't even yours. When you check your personal credit report you can find out exactly what creditors are saying about you. You can also check your personal credit report for an account of your most recent debts. Your credit report will tell you exactly what creditors have marked down that you owe them.

Every time you make any move regarding credit your credit report makes a note of it. Lenders use the information on your credit report to see if you have missed payments, carry high balances, or are in other ways over extending yourself financially. Payment history in your credit report is the most important factor in your credit rating - so pay your bills on time - even if it is just the minimum balance due each month.

Lenders evaluate your credit risk based upon information in your credit report so it is a good idea to review your credit report periodically and check for inaccuracies that may have an impact on your credit.You can get a copy of your free credit report by searching for a "free credit report" on our home page. Your can view your free credit report online.