Check the Accuracy of Your Credit Report

Find out the whole truth behind your credit score

What exactly is in your credit report? It generally contains four types of information:

  1. 1. Identifying information:
    Your name
    Your current and previous addresses
    Your Social Security number
    Your year of birth
    Your current and previous employers
    If you're married, your spouse's name
  2. Good and bad credit information, which includes credit accounts or loans you have with:
    Credit card issuers
    Mortgage lenders
    Other lenders
  3. Public record information such as any information that's contained in state and county court records, like:
    Tax liens
    Monetary judgments
  4. Your credit report will also show that you have applied for new credit that could result in additional debt. This is why you should limit the number of credit inquiries made on you. A lender will view multiple recent inquiries as a sign that you are overextending yourself.

Once you get your credit report, read it carefully! If there are any problems or inaccuracies, contact the credit bureau right away. Do this in writing. Also, if the same problem is reported by more than one credit bureau you need to contact each one.

If a bad credit incident is reported inaccurately get it removed. This is very important.

To dispute inaccurate information on your Experian, Trans Union or Equifax credit report write to the bureau that supplied the information. In your letter be sure to include:

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