It wasn't all that long ago that
American's faced great financial crisis. As a nation, we struggle
with debt, and it keeps us from achieving a better life. Debt
Education is here to help you change all that ... just ask!
REAL PEOPLE ... CARING ABOUT REAL
ISSUES
What's In Your Report?
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 scoring. Updates to this information
come from information you supply to lenders.
Your name, address, Social Security number, date of birth and
employment information are used to identify you. These factors
are not used in scoring. Updates to this information come from
information you supply to lenders.
These are your credit accounts. Lenders report on each account
you have established with them. They report the type of account
(bankcard, auto loan, mortgage, etc), the date you opened the
account, your credit limit or loan amount, the account balance
and your payment history.
When you apply for a loan, 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.
The report you see lists both voluntary inquiries, spurred by
your own requests for credit, and involuntary inquires, such as
when lenders order your report so as to make you a pre-approved
credit offer in the mail.
Credit reporting agencies also 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.
There's a lot of information to read through on the Debt Education
website, but we feel this is extremely important material. We
strongly recommend that you bookmark
this page right now. This will allow you to read
at your leisure, and should you need to attend to other matters,
easily return back here at your convenience.
The Debt Education website was built for you. Please explore
our website. You'll find resources and information on virtually
every aspect of financial planning and money management. These
debt delp resources are designed to help you get out of debt
and stay out of debt. You can achieve financial independence.
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Debt Education PO Box 5156, Santa Cruz, CA 95063
