Your credit report can make or break you. It is one of the most important financial aspects of who you are. A credit report contains your home and work addresses, all the purchases and credit cards that you have made payments on and also your identity. This report is considered when you apply for a job, set up a business relationship or are applying for a loan. A bad report can keep you from getting any of these items.
You credit report is detailed information about you. Credit reports are used by creditors to determine if they want to extend credit to you. These reports are compiled by credit reporting agencies and contain your past debt paying information. These agencies give out the credit information to companies and individual consumers. A debtor also has the right to request their credit information at any time. Some credit reporting agencies charge a small fee to get a copy of the information that is in your file, but usually you can get one free report each year from each credit reporting agency
Like most businesses, law regulates credit-reporting agencies. That law is called the Fair Credit Reporting Act. Several things are dependent on this act including...
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