Best Credit Reports
      March 24, 2019

Home  >  Credit Reports  >  Articles


Credit Reports

  1. Free Credit Score
  2. My FICO
  3. Credit Reporting
  4. Credit Report
  5. Free Score 360

Compare Products

  • Select any 2 companies in our reviews to compare them head-to-head!
  • Compare

Your Information Is Secure
101 Tips to Raise Your Credit Score Newsletter

Latest Reviews



Flower Delivery

Fruit Baskets

Hair Loss

Hair Removal

Menopause Relief

Pet Meds




Related Articles

How Often Should You Check Your Credit Report?

Why Is A Good Credit Score Helpful?

What Kind Of Information Will Your Credit Report Contain?

What Can You Do If Your Credit Report Is Wrong?

How You Can Raise Your Credit Score If Itís Low


Top Consumer Reviews Articles provides unique articles that you won't find anywhere else on the internet. These articles are designed to help you make the most informed decisions possible.

What Kind Of Information Will Your Credit Report Contain?

A credit report is the compilation of a consumerís financial history. It includes information about every account ever opened, every loan ever secured and every financial institution with which an individual ever has done business. It also is a barometer for lenders to determine if they wish to do business with a particular consumer. Credit reports contain a credit score ranging from 300 to 850. Persons with scores over 700 are considered in good financial standing.

There are many reasons to check your credit report at least once a year, but fraud prevention and accuracy of information contained within the report are among the top reasons to take a peek.

Speaking of accuracy of information, there are certain kinds of information that are included in every credit report. While it is true that all three agencies collect their information in slightly different manners, all three generally follow the same rules as to what kind of information is found in the reports.

So what can you expect to see if you order a credit report on yourself?

All credit reports contain identifying information about the individual: full legal name, any aliases used, social security number, date of birth and employment information. Most reports also contain a complete listing of all places of residence for the consumer. Residential information is compiled from utility bills and credit card companies, or any other creditor with which an individual has done business.

A complete listing of all credit accounts also is included in an individualís report. Lenders will provide information on each account a consumer has opened with them. The report will classify which kind of account it is: bank account, credit card account, mortgage, vehicle loan, or utility service. If a consumer has closed an account with a creditor, the dates the account was both opened and closed should be included in the listing for that account. It is important to check this information closely to ensure that all accounts opened are in good standing and that the accounts were actually secured by the individual on the report.

Credit inquiries also are listed on a consumerís credit report. Credit inquiries are requests by any lender who has asked to view your credit report. Inquiries are classified as voluntary or involuntary. Voluntary inquiries are ones the consumer has initiated, such as for a car loan or mortgage. Involuntary inquiries are those conducted by companies, such as credit card companies, without your knowledge. It is not uncommon for certain creditors to check your financial standing to determine if they wish to make you a special offer on opening an account with them. Credit card companies frequently make involuntary inquiries on consumer credit reports in an attempt to drum up new customers.

The final bit of information included on credit reports is anything pertaining to a consumerís public history: bankruptcies, overdue payments, foreclosure and wage attachments are among the common items found on credit reports.

Any information found on the report which is in error should immediately be disputed with the credit reporting agency. Each of the three agencies has a process for disputing information, which is clearly explained on the reports they issue to consumers, as well as on their individual websites. has reviewed and ranked the best credit repair services available today.

Monitoring your credit report and score: What to know

KNOXVILLE, Tenn. (WATE) - If you have a credit card or have ever taken out a loan, then your credit history is part of a credit report. Do you know what's in that credit report or how often you should ...

Published:  Wed, 20 Mar 2019 14:52:00 GMT

How long does bankruptcy really stay on your credit report

If your debt has you feeling overwhelmed and you're considering filing for bankruptcy, it's important to consider all of your options before making a final decision. Bankruptcy can have a lengthy ...

Published:  Fri, 22 Mar 2019 05:21:00 GMT

Your Complete Guide to Dealing With Collections and Charge-Offs on Your Credit Report

Don't be intimidated or discouraged if you have collection accounts or charge offs on your credit report -- here's how to formulate a game plan for dealing with them. Image source: Getty Images. There ...

Published:  Sun, 17 Mar 2019 23:11:00 GMT

Watch out: Your private health app data may impact your credit report

It's a sad fact of our late capitalist world that data is one of the hottest currencies. Every move you make online-and sometimes off, too!-is likely being tracked in some way and then sold to the ...

Published:  Fri, 22 Mar 2019 04:25:00 GMT

11 reports of credit card fraud in Bossier

11 reports of credit card fraud in Bossier Investigators are currently working to determine how and where the theft of the account numbers, which are all from one local financial institution, occurred ...

Published:  Wed, 20 Mar 2019 10:42:00 GMT

Police reports: Weekend "Ę March 23-34, 2019

Theft. A wallet and credit cards were stolen from an unlocked vehicle on Sixth Avenue, it was reported at 8:08 p.m. Wednesday, March 13.

Published:  Sat, 23 Mar 2019 04:18:00 GMT

Credit Suisse Boosts Thiam's Pay 30% After Flip to Profit

Credit Suisse Group AG boosted Chief Executive Officer Tidjane ... saw his pay for 2018 rise to 12.7 million Swiss francs ($12.7 million), according to the bank's compensation report. A large part of ...

Published:  Thu, 21 Mar 2019 23:01:00 GMT

Credit Suisse Reports CEO Compensation Details For 2018 - Quick Facts

(RTTNews) - Credit Suisse (CS) reported Group CEO Thiam's proposed total compensation for 2018 of CHF 12.65 million, 13% higher than it was for the prior year, before the voluntary reduction in ...

Published:  Fri, 22 Mar 2019 04:58:00 GMT

This Week In Credit Card News: How Apple's Card Could Disrupt Things; Mobile Wallets Not Being Used

The one outlier in this report is China, which has a staggering 36% of the population ... so you can use the service and pay monthly bills without storing debit or credit card credentials online. [9 ...

Published:  Fri, 22 Mar 2019 13:08:00 GMT

Share Us!    Share on Twitter Share on LinkedIn Share on Google+ Share on Pinterest

Home      About Us      Terms & Conditions      Privacy Policy      Contact Us      Disclosure