If you ever have applied for credit, you probably have a "credit file" somewhere. A credit bureau can use your application to set up a credit file with your name, address, phone, employer, income, etc. You establish a "credit record" or "credit history"; however, only by using credit. A "good" credit record is established only by repaying debts as agreed. To find out if a credit file exists on you, look in the phone book under "Credit Reporting Agencies" for the names of credit bureaus in your area. If you have applied for credit or used credit in the past, one or more of the credit bureaus listed should have information on you. Call the credit bureaus listed and ask if they have information on you. Be sure to give them any names you use or have used in the past (birth-given names, combined surname, etc.). If a credit bureau has no information on you, it can start a file by obtaining personal and employment data from you over the phone or in writing.
RSS
If you ever have applied for credit, you probably have a "credit file" somewhere. A credit bureau can use your application to set up a credit file with your name, address, phone, employer, income, etc. You establish a "credit record" or "credit history"; however, only by using credit. A "good" credit record is established only by repaying debts as agreed. To find out if a credit file exists on you, look in the phone book under "Credit Reporting Agencies" for the names of credit bureaus in your area. If you have applied for credit or used credit in the past, one or more of the credit bureaus listed should have information on you. Call the credit bureaus listed and ask if they have information on you. Be sure to give them any names you use or have used in the past (birth-given names, combined surname, etc.). If a credit bureau has no information on you, it can start a file by obtaining personal and employment data from you over the phone or in writing.