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Why It's Important to Have a Good Credit Report?

Credit Reports are tied to many aspects our lives today. It is extremely important to have a good credit report, whether you are shopping for a new car, a new house, want to refinance your car, looking for employment or even shopping the best auto insurance rates. Even renting a car today in most places requires having a good credit report. Having good credit reports will be key in locking down the best possible deal.

Although each credit reporting agency formats and reports this information differently, all credit reports contain basically the same categories of information. Your social security number, date of birth and employment information are used to identify you. These factors are not used in credit scoring. Updates to this information come from information you supply to lenders.

Identifying Information

Your name, address, Social Security number, date of birth and employment information are used to identify you. These factors are not used in credit scoring. Updates to this information come from information you supply to lenders when you're applying for credit.

Trade Lines

These are your credit accounts. Data furnishers report on each account you have established with them. They report the type of account, the date you opened the account, your credit limit or loan amount, the account balance and your payment history.

Credit Inquiries

When you apply for an extension of credit, you authorize your lender to ask for a copy of your credit report. This is how inquiries appear on your credit report. The inquiries section contains a list of everyone who accessed your credit report within the last two years.

Public Records

Credit reporting agencies collect public record information from state and county courts, and information on overdue debt from collection agencies. Public record information includes bankruptcies, foreclosures, suits, wage attachments, liens and judgments.

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Disclaimer: The information provided in this site is not legal advice, but general information on credit report issues commonly encountered Credit Services Company is not a law firm and is not a substitute for an attorney or law firm. Communications between you and Credit Services Company are protected by our Privacy Policy, but are not protected by the attorney-client privilege or work product doctrine. Credit Services Company cannot provide legal advice and can only provide credit repair services at your specific direction, by our terms of agreement. Please note that your access to and use of creditdoctorcompany.com is subject to additional Terms of Use.