Your Credit History And Credit Bureaus - CREDIT RIGHTS
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TODAY'S SAVING TIP
Identity Theft/Fraud: With identity theft on the rise in the United States, the number one reason to review your credit report at least once a year is to detect and stop fraud ñ before you need your credit report and applying for new credit. |
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CREDIT RIGHTS: Your credit history and credit bureaus
Credit bureaus gather and sell credit information about consumers and are a principal source of information about your credit history. Creditors usually rely on credit bureau reports before issuing a line of credit. So it makes sense to ask your local credit bureaus for your report. You can find them listed in the telephone Yellow Pages under "Credit Bureaus" or "Credit Reporting Agencies." The bureaus will report whatever they have on file, which might include what kinds of credit accounts you have, how punctually you pay your bills, and whether you have ever filed for bankruptcy or were sued. The report may include other credit references that you can use in new credit applications to give a more complete picture of your financial situation. See our Brochure on Fair Credit Reporting.
Some credit references may not appear in your file simply because the creditor may not report the information to the credit bureaus. Credit bureaus obtain most of their information from those creditors who send them monthly reports. Some creditors only report delinquent accounts; accounts with good payment histories may go unreported. Most major national credit card companies report their accounts to credit bureaus, but many local creditors do not.
ADDITIONAL CREDIT RIGHTS RELATED FACTS
Divorced Individuals
Credit For Couples
You Must Be Told If Information In Your File Has Been Used Against You
Why Do Insurance Companies Use Credit Information?
Legal Age To Apply For A Credit
Obtain A Free Credit Report From Credit Bureaus
When Should I Provide My Social Security Number?
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