Credit Reports

Written by: Rudy Freeman - on July 28th, 2006

Your credit reports contain information about your identity, employment, credit history, public records if any, and who have requested your credit file. Information about your identity includes data such as your name, date of birth, social security number, your current and previous addresses, marital status, and even your dependents. Your employment record contains information such as your employer, work address, length of employment, current and previous positions and incomes.

Your credit history may include information such as your current and past creditors and most data on your credit accounts. And finally, the public record on your credit report includes any information from court's decision such as bankruptcy, civil lawsuits, and other legal proceedings. Anyone can request your credit file if they have a legitimate reason. Those people may be credit card companies, insurance companies, collectors, employers, landlords, a court, or even yourself.

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By federal law (Fair Credit Reporting Act), the consumer credit reporting agencies may keep most of the valid information in your credit file for seven years, some for ten years like bankruptcy information. However, there're exceptions. If you apply for life insurance or a credit line of $50,000 or more, the credit reporting agencies may report all information about you regardless of the length of time. Similarly, if you apply for a job that pays you more than $75,000 annual salary, there will be no time limitation on your credit report if your employer requested the information.

To obtain a credit report for yourself, contact the 3 major credit bureaus: Equifax (800) 685-1111, Experian (800) 831-5614, and TransUnion (800) 851-2674. You will have to pay a fee, usually less than $10 a copy. However, if you're denied credit, you'll be entitled to a free copy within 30 days from the credit bureaus listed on your denial letter.

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If you review your credit file and find errors, you may request the credit bureaus for an investigation. Follow instruction on your credit report for any dispute. If the investigation results in errors as stated, or cannot verify the information, the errors will be corrected as your request. If not, you may also request to have the new version added to your credit file.