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360 Credit Consulting can help you navigate the details of your credit report so that you can get rid of outdated or erroneous information.