Article: Credit Reports
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Credit Reports
Credit reports are, quite simply, electronic records of your credit activities. These activities can range from borrowing money to buy a car to applying for a loan or credit card or missing payments on loans you have taken. The report is generated so that potential lenders can see how you use credit and how much of it you have available.
According to Trans Union, one of the major credit bureaus, there are four major areas of content in credit reports:
1.) Identifying information, including your name, phone number, address, Social Security number and date of birth;
2.) Credit history, including payment history, including any late payments, to banks, credit card companies, retailers and other lenders;
3.) Public records, including bankruptcy filing...
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