This is the third in a series of articles that will increase your awareness of identity theft.




We all

the importance of credit reports to know in our lives. Your credit report shows your personal information, including your name, aliases, addresses, current and former employers, social security number and birth date.


It also shows details of most credit inquiries from financial institutions, retailers and many other agencies, including:

status of current and past credit

number of accounts opened and closed

balances of our accounts are current or behind

public information such as phone numbers, federal bankruptcy court records, local government, liens, judgments, and records of maintenance <(information can remain on your file for up to 10 years) / p>

credit inquiries, which are when applying for a credit card, bank loan or retail financing.

detailed history – including updated information on your loans, financing and credit card payments

credit score.


Your credit score is a number between 330-830 in most states in the U.S. As the number that is assigned to you, the better your credit is. The higher your credit score, the better your chances of getting additional credit cards and / or loans.


Your credit report also includes information on auto insurance, there are usually a credit report as part of their process applications for automobile insurance. Sometimes employers may also request credit reports as part of their recruitment or promotions.


United States, Experian, Trans Union, Equifax, and are the major credit bureaus to collect, store and disseminate this information to credit. You are legally entitled to receive a free copy of your credit report annually from each of these offices. However, if you request a copy of your report, you will usually see that the charges apply to all requests for this information. Usually the free report is available only if you apply by mail and you must meet the requirements of the reporting entity to receive your free copy.


The information in your credit report reflects your credit and consumption patterns. If a copy of your credit report, you never know, your credit worthiness. Another reason is necessarily a copy of your credit file to check to see if you were a victim of identity theft.


review and monitoring of your credit report is an essential means to ensure that no one get your identity. You may think it can not happen to you, but there is nothing wrong with that, absolutely secure. If you undertake transactions on your credit report, which does not make sense for you to carry out immediate investigation to ensure that the entries are legitimate or not see. If they are not legitimate, it could be an error made by the bureau, and they will very quickly when to advise it and make the necessary corrections. If the information is correct, but does not know you, then you must be on guard, because you could see the beginnings of your identity stolen.


You should take immediate action if you avoid the loss or serious damage to your reputation and personal wish that you were probably so long to establish.


Here are some suggestions for checking your credit report.


Carefully review your credit report at the reception. Look in the section on questions about your report. If you do not know what some of them relate to questions immediately. However, remember that whenever you apply for credit apply particularly in retail, there will be a credit in your account, but you can not see applying for the name of the company the information, verify the retailers rarely their credit with their company name.


If you notice errors, such as an invoice paid off, but still to see the report, then notify the Agency and its deletion. You need to make these corrections and personally ensure that your request has been acted on.


of accounts opened in your name you do not know care. Sometimes maybe a family member has an account opened without your knowledge. If this is not the case, then perhaps a stranger opened the accounts and put your credit and finances at risk. Be careful and always take the issue of identity theft as a serious threat to your reputation. Make sure your personal and financial information never falls into the wrong hands.



John Ritchie

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Credit Report