Your credit history New York

Thomas Opus College of Business Checkmyreport Your Credit History: What Gets Reported And What Does Not A credit report is a document that outlines your financial status, specifically your credit history. The three national reporting your credit history New York agencies, Experian, Trans Union and Equifax, work independently so it is advisable to get reports from all three for an accurate picture. The credit report contains personal, financial and public information along with recent requests. The credit report will provide your credit history New York personal information like your full name, frequently used nicknames and aliases, date of birth and social security number. It will also reveal your current and past addresses, present and past jobs and your credit history New York if applicable, information about your spouse as well. getting your credit report

Financial information of all your accounts with their opening date and credit limit are noted in it.

These could be accounts with banks, credit card companies, power and telephone companies and such like. It will also detail your loans like mortgages, student loan and installment loans with relevant information, your credit history New York such as, payment pattern, default in payment, debts that are less than seven years old and so on. These are salaries above 75,000, any credit transaction or application for a credit card or insurance beyond 150,000 and unpaid tax liens. commercial credit reports Information from public records particularly those with a financial angle will always appear. These are usually obtained from your credit history New York state and county courts.

It will include convictions, arrests, charges and monetary judgments. However under federal law, convictions will appear indefinitely. If you have declared bankruptcy, the same will appear on your credit report for not more than ten years. Debt records more than seven years old and bankruptcy records more than ten years old cannot be given in a credit report. Your age, marital status and race cannot appear if a current or prospective employer asks for it. Medical records can appear only with your credit history New York your express permission. Any information that has been erased from the records cannot be put back again. get my free credit report Thus a credit report will help a person or organization make an informed judgment before entering into any transaction or deal with you. Credit report repair will surely help you to improve your credit report and thereby increase your credit score. It is process that eliminates the negative remarks and gives you a good credit report. There are many people who are unaware of repairing their credit report and thereby create obstacle to get credit extension.