How Will I Know If There Is Negative Information In My Report? - CREDIT REPORT

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CREDIT REPORT: How will I know if there is negative information in my report?


The best way to determine if you have negative information in your credit report is to order a copy and check it carefully. For a thorough review, you should check with all three CRAs since there may be some variations in the file each CRA maintains on you. This should be done at least once a year. Because the crime of identity theft is on the rise, we recommend that you check at least one of your credit reports each six months.

You should also check your credit report when you know it is going to be used to make important decisions, such as applying for an automobile or home loan, renting an apartment or applying for a job. Reports should be ordered at least one to two months before you apply for credit or intend to rent. At these crucial times, you do not want to be surprised to find that your report contains negative information, especially if that information is inaccurate.

A creditor has the duty to report only accurate, complete and updated information to a CRA. For example, if you close an account voluntarily, your creditor must report this fact in order to distinguish it from an account that is closed for nonpayment. If you disagree with a creditor's report of negative information, the creditor must put a notice of that dispute in your file before reporting to the CRA.

ADDITIONAL CREDIT REPORT RELATED FACTS

What To Do About Errors On Your Credit ReportWhat To Do About Errors On Your 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 ?
Can I Find Out What Is In My Credit Report?Can I Find Out What Is In My Credit Report?
What Is The Seven-year Reporting Period?What Is The Seven-year Reporting Period?
When Is A Credit File Created?When Is A Credit File Created?
Qualifying For Discounted Or Free ReportsQualifying For Discounted Or Free Reports
Your Consent Is Required For Reports That Are Provided To Employers, Or Reports That Contain Medical InformationYour Consent Is Required For Reports That Are Provided To Employers, Or Reports That Contain Medical Information
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