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Get a FREE Credit Report and FREE Credit Score! Credit Reports A consumer credit report is a document that contains a factual record of an individual's credit payment history. Credit grantors are permitted by law to review your credit report to objectively determine whether to grant you credit. Most lenders report credit payment information to credit bureaus. So most of the information in your consumer credit report comes directly from the companies you do business with. A consumer credit report contains four types of information: identifying information, credit information, public record information, and inquiries. Identifying information includes: • Your name • Your Social Security number • Your year of birth • Your current and previous addresses • Your current and previous employers • If you're married, your spouse's name Credit information includes credit accounts or loans you have with: • Banks • Retailers • Credit card issuers • Other lenders Public record information includes any information that's contained in state and county court records, like: • Bankruptcies • Monetary judgments Inquiries indicate to other credit grantors that you have applied for new credit that could result in additional debt. Potential lenders view multiple recent inquiries on your credit report as a sign that you are overextending yourself. |
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*High Credit Score provides you with the tools you need to access and monitor your financial/credit information though the program's credit reporting and monitoring benefits. High Credit Score and its benefit providers are not credit repair service providers and do not receive fees for such services, nor are they credit clinics, credit repair or credit services organizations or businesses. After verification of your identity, your report is available for Secure Online Delivery in seconds.
*Credit services provided by Callcredit Limited.
Programme provided by Adaptive Affinity Ltd, Cavendish House, 369 Burnt Oak Broadway, Edgware, Middlesex, HA8 5AW. Reg No. 05493004
*Credit services provided by Callcredit Limited.