Credit Reports
What is a credit report?
A credit report tells a lot about you. It includes your full name and any known aliases, your current and previous addresses and employers, as well as your social security number and birth date. It lists your credit information, which includes accounts you hold with banks, credit card companies, utility companies, etc. as well your payment history on the accounts. Your credit report also includes any public record information such as tax liens, bankruptcy or judgments. It will also show any recent inquiries made by a bank or credit card company considering you for a loan, a potential employer, landlord or insurer or a government agency reviewing your financial status or government benefits. A credit report is a record of how you use credit and how much credit is available to you. The information reported can stay on your report for up to ten years.
Who maintains my credit report?
Your credit report is maintained by one of three consumer reporting agencies (CRA’s). They collect information about your borrowing, charging and repaying activities from parties that have extended credit to you and save it in their database. You should request a copy of your credit report each year from each agency to view your credit rating and to check for any errors. If you find an error, be sure to report it to the agency immediately. The following is a listing of contact information for the three CRA’s:
Equifax
PO Box 105873
Atlanta , GA 30348
http://www.equifax.com
1-800-685-1111
Esperian
PO Box 2104
Allen , TX 75013-2104
http://www.experian.com
1-888-397-3742
Trans Union
PO Box 1000
Chester , PA 19022
http://www.transunion.com
1-800-916-8800 or 1-800-888-4213
Articles | Help Desk | Site Map | Privacy Policy | About Side-Tear Checks | How to Order | Pricing | FAQs
Free Brochure | Security | Contact Us
©2005 Artistic Checks Inc. • P.O. Box 1000 • Mabelvale, AR 72103-1000 • 1-800-243-2577