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Understanding Your Credit Report

  • Personal Identification Information
  • Late Payments
  • Foreclosure
  • Bankruptcy
  • Collection Accounts
  • Inquiries
  • Closed Accounts
  • Past Due Accounts
  • Judgements
  • Reposessions
  • Charge Offs

Credit Repair

 What is in a Credit Report?
 
Information in your credit report can be broken down into 5 main categories: 
  • Personal Information about you
  • Accounts reported monthly
  • Accounts reported when in default
  • Public Records
  • Inquiries

Credit Reports may also contain a credit score. 

Who can Look at Your Credit Report

The federal Fair Credit Reporting Act (FCRA) (15 U.S.C. 1681 and following) and state credit reporting laws restrict who can access your credit report and how it can be used.  The people and entities that can request your credit report include:
 
  • Employers
  • Government Agencies
  • Insurance Companies
  • Collection Agencies
  • Judgment Creditors
  • Potential Creditors
  • Landlords and Mortgage Lenders
  • Utility Companies
  • Student Loan and Grant Lenders
Apart from those listed above, most other people and businesses cannot legally request a copy of your credit report. For example, your credit report may not be used in divorce, child custody, immigration, and other legal proceedings.  Government agencies are allowed to look at your report in these cases only if they get a court order allowing them to do so.
 

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