As you all know, credit reports play a huge role in our lives, even more it determines how much we deserve loans, jobs and so on. It the term credit report seems new and alien to you, it is vital that you learn more about it and get one yourself. You must now be wondering what information can be found on your credit report. Well, there is quite a lot actually.
First of all, at the top of the list would be your personal details. This will consist of your full name, aliases that you may go by, current home address, date and place of birth, social security number and your spouse details if applicable. If you are employed, those details would need to be listed as well.
Orchard Credit Card Sign In
Then comes your credit information which would be your current standing accounts, closed accounts, credit card companies, number of credit cards and all your other loans that you would have taken. This would be in a separate column with specific details of type of loan and purpose as well. In example, student loan, mortgage, business loan and so on. This information would be detailed and specific about how you've used your card and your payment history with each of your credit card companies. Don't forget that if you miss payments, it will show on your report as well.
Furthermore, if you have got a public record such as legal court cases, bankruptcy history or any other files of court cases, it would be listed in as well.
Next, you've got inquiry information. Every time your report is viewed, it will show up on your report. If your report is viewed too many times, it can gradually lower your credit score because it will be assumed that you are taking too many loans and many lenders are checking your report. So be very careful about how many times you check your information.
In short, all your basic information, personal details and credit information can be found on your credit report. If you haven't got one already, go and sign up for one today!
4 Things That Can Be Found on Your Credit Report
No comments:
Post a Comment