What is Free Credit Report
Credit Report is a summery of your past credit
history; that includes your account history information, employment
and personal information. There are a lot of credit report companies
and bureaus that keep and collect have your credit information.

Who can access your credit report?
The following organizations can acquire your
credit report for free:
-Landlords
-Employers
-Lenders
-Insurance Companies
When can you expect to have your credit
report obtained by someone?
-Renting or leasing an apartment, condo or
house.
-Applying for a home or car loan.
-Applying for a credit.
-Applying for insurance.
-Applying for a job.
What kind of information is recorded on your
credit report?
-Your credit history is the first and the most
vital section of your credit report.
It lists all of your current credit
information: credit loan amounts, credit limits,
payment history. Your name will appear as a
main account holder, and also when you co-signer and authorized
individual.
There is also public record information section
that lists financial records such as: bankruptcies, child support,
liens.
-Your individual personal information includes:
your social security number, your address, birth date, employment
history, and your previous addresses. This information is normally
provided by you when you actually apply for a credit.
Your
credit report may also include inquiries made by lenders or
entities.
(It doesn’t include inquires made by you).
Note, that there are certain items on your
credit report can be an impediment
On your credit report: Bankruptcies
removed from your credit report after ten years;
Resolved delinquent and collection accounts
removed after seven years.
Inactive and old accounts can take over ten
years to be removed.
There are some personal and financial
information that will not be listed on your credit report: your
saving and checking account information; gender, marital status and
ethnicity.
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