Your Credit Report

What You Need to Know

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Why Your Credit History Matters

Sometimes it’s nice to know that what you’ve done in the past has helped to build your current reputation. The downside can be when financial mistakes from your past are still impacting your current credit report. Contact 360 Credit Consulting to learn what pieces of your history go into your report, who sees it, and how you can improve it.

How Your Credit Report is Used:

  • Lenders use this report to decide whether to lend to you and how much.
  • Insurance companies decide if they will offer coverage to you, as well as the rates you’ll pay based on your credit report.
  • Employers - can use your credit history if you give them permission, but will have to tell you why they used the report not to hire you.
  • Telephone and utility companies can use it to decide whether or not to provide you with service.
  • Landlords may use the report to determine whether you would be a good tenent.

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What is in Your Report

There are several important pieces of information that go into your credit report, and you need to know what these are so that you can maintain control.

  • Identity – your name, address, full or partial Social Security number, date of birth, and employment information
  • Existing credit – any information about credit card accounts, mortgages, car loans, student loans, amounts owed to your creditors and payment history are included.
  • Public records – any court judgments against you, tax liens on your property, or bankruptcy filings
  • Inquiries about you – any companies or individuals who have recently requested a copy of your report

Why Your Report Matters

Your credit report is important because of how many individuals and companies can obtain access to it in order to assess how you manage your financial responsibilities. Financial mistakes or bumps in the road can greatly impact your ability to finance or purchase items that you need. Your credit report is full of personal, sensitive information, which is why it is important to know that the credit bureaus can only provide it to a few approved groups.

Unsolicited Offers

On one hand, it can be encouraging to know that your information was shared because you have a good credit score. At the same time, unsolicited offers can be annoying. If you have been receiving unsolicited offers from creditors or insurers, then you should know that you have the option to have your name and address removed from these mailing lists. To opt out, call 888-5-OPTOUT (888-567-8688) or visit www.optoutprescreen.com. If you change your mind, then you can reverse your opt-out decision at any time to start receiving offers of credit and insurance again by calling the toll-free phone number or visiting the website.

360 Credit Consulting can help you navigate the details of your credit report so that you can get rid of outdated or erroneous information.

We Specialize in All Your Credit Needs

360 Credit Consulting can help you save! Are you trying to get credit approval? Improving your credit will save you thousands of dollars each year with better interest rates.

Do you know what’s reporting on your credit report? Do you know what can make it better or worse? Do you know how to maintain a good credit score? Take advantage of our free educational resources and start saving money today.

Don't let a few bumps in the road hurt your financial future. Errors and inaccuracies on your credit are costly, and you might not even be aware of them. We find them and help you remove them.

We can help calculate a realistic time frame for you to achieve the results you want. 360 Credit Consulting analyzes your credit and guides you through the process.