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TODAY'S CREDIT TIP A consumer credit report is the organized presenta- tion of information about an individual’s credit record that a credit-reporting agency communicates to those requesting information about the credit history of an individual. It includes ... Read more

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CAN MY EMPLOYER GET MY CREDIT REPORT

Your employer can get a copy of your credit report only if you agree. A consumer reporting company may not provide information about you to your employer, or to a prospective employer, without your written consent. The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

DETAILS OF YOUR CREDIT REPORT

- First, identifying information including: - Name, current, and previous addresses - Social Security number - Telephone number - Birth date - Current and previous employers - Spouse’s name. - Second, a credit report contains your credit history. That is, your account record with different creditors. It will show how much credit has been extended and how you have repaid it. - Third, a credit report contains inquiries or a list that identifies creditors and other authorized parties who have requested and received your credit report. - Fourth, a credit report contains public record information. These are items that are matters of public record such as collection accounts, bankruptcies, foreclosures, tax liens, civil judgments, and late child support payments

WHAT INFORMATION IS INCLUDED IN MY CREDIT REPORT AND CREDIT BUREAU?

Your personal credit report contains: Your name, current and previous addresses, phone number, Social Security number, date of birth and current and previous employers. Your spouse's name may appear on your version of the credit report, but it will not appear on the version that is provided to others. This information comes from your credit applications, so its accuracy depends on your filling out the forms clearly, completely and consistently each time you apply for credit. Specific information about each account such as the date opened, credit limit or loan amount, balance, monthly payment and payment pattern during the past several years. This information comes from companies that do business with you. Federal district bankruptcy records and state and county court records of tax liens and monetary judgments. This information comes from public records. The names of those who have obtained a copy of your credit report. (On your copy of your credit report, addresses are included.) This information comes from the credit reporting agency. Statements of dispute, which allow both consumers and creditors to report the factual history of an account. Statements of dispute can only be added after a consumer officially disputes the status of an account, the account has been reinvestigated, and the consumer and creditor cannot agree about the account status. Both the consumer's and creditor's statements of the account status will appear on the credit report. Your credit ... Read more

Find Credit Facts

What's a credit report? A report of an individual's credit history prepared by a credit bureau and used by a lender in determining a loan applicant's creditworthiness. Credit reports are usually based on the individuals: credit history; who reviewed the credit history; information that has been given to the credit information company; specific identification information; and any explanatory notes and comments.

What is a credit score? A credit score is a number that lenders use to estimate risk. Experience has shown them that borrowers with higher scores are less likely to default on a loan. Scores are generated by plugging the data from your credit report into software that analyzes it and cranks out a number. The three major credit reporting agencies don't necessarily use the same scoring software, so don't be surprised when you discover that the scores they generate for you are different. Because the software used to calculate a vast number of reports was created by Fair Isaac Corporation (FICO), credit score reports are sometimes called FICO scores.