Analyzing Your Credit Report - CREDIT REPORT

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TODAY'S SAVING TIP  The Fair Credit Reporting Act (FCRA) establishes procedures for correcting mistakes on your credit record and requires that your record be made available only for certain legitimate business needs. Under the FCRA, both the credit bureau and the ... Read more
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CREDIT REPORT: Analyzing your credit report


When you first receive your Trans Union and Equifax credit reports, you will be totally lost. The information is coded in a way that is not immediately readable by the average consumer. Each credit report should arrive with a key that interprets the codes and indicators on the credit report. Sit down with the credit report and the key and study it until you understand what each number and code means.
Don't write on your original credit report -- yet. Make all of your notes on a copy of the report. You will be sending your original report with your dispute letter, so you should make at least two copies of each new report. The original goes with the dispute, one copy is for notes, and the other copy is what you will send in to the credit agency.

Gather a yellow and orange highlighter pen. Whenever you identify a negative listing, mark the listing in yellow on your scratch copy of the credit report.

Very often, it is difficult to tell if an item on the credit report is negative or positive. The following table will help you identify every negative listing on your credit reports.

ADDITIONAL CREDIT REPORT RELATED FACTS

Who Can Legally Look At My Credit Report?Who Can Legally Look At My Credit Report?
If I Find A Mistake On One Credit Bureau's Report, Will The Mistake Be Corrected Automatically At Other Credit Bureaus ?If I Find A Mistake On One Credit Bureau's Report, Will The Mistake Be Corrected Automatically At Other Credit Bureaus ?
You Can Dispute Inaccurate Information With The Credit Reporting Act.You Can Dispute Inaccurate Information With The Credit Reporting Act.
How Do I Tell If There Is Negative Information On My Credit Report?How Do I Tell If There Is Negative Information On My Credit Report?
Seven-year Reporting PeriodSeven-year Reporting Period
How Long Can A Consumer Reporting Company Report Negative InformationHow Long Can A Consumer Reporting Company Report Negative Information
How Much Does A Credit Report Cost?How Much Does A Credit Report Cost?
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