Credit Reports – Learn More

They are consumer reports, a unique compilation of personal information. They include where you work, live and how you pay your bills. They even show if you've ever been sued, arrested, or filed for bankruptcy.

Companies called Consumer Reporting Agencies (CRA's), or credit bureaus, compile and sell credit reports to businesses. Then those businesses use the information to evaluate applications for credit, insurance, employment, etc.

When you apply for financing, banks obtain your credit report from two CRA's. Three of the most nationally renowned bureaus are:

	Equifax: P.O. Box 740241, Atlanta, GA 30374-0241; (800) 685-1111.
	Experian: P.O. Box 2002, Allen, TX 75013; (888) 397-3742
	Trans Union: P.O. Box 1000, Chester, PA 19022; (800) 888-4213

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Your credit report is vital in the loan process and will strongly affect the amounts you pay and the annual percentage rates you're offered. Many people are at a disadvantage because they don't understand their report, while companies study them with scrutiny.

In a report, an overall score is determined by the high and low marks. In essence, the credit report score is an overall grade and determines your eligibility for a loan.

If your credit score is above 680, you're considered a "prime borrower." If your credit score is above 600, you're considered a "near prime borrower." And, if your credit score is below 540, you're considered a "sub-prime borrower."

The first option is to call the CRAs and request it. It's important to call more than one agency since each may have varied information.

A better option may be to go on-line. Select from one of the options below to resolve your credit reporting issues.

Once in your possession you will be able to find blemishes. Mistakes are possible so be weary, and leave enough to time clear them up; it can take up to sixty days to resolve problems with creditors.

Some financial advisors suggest that you periodically review your credit report for inaccuracies or omissions. If you're considering a major purchase, this is extremely important, and it can be done relatively easily with online credit reports.

If you need help in improving your credit we have partnered with several companies that can help you to get the information you need.

Do It Yourself Credit Repair - Find out what is in your Credit Report.

Legal Services – Lawyers resolve your Credit Report problems.