Where can I find out about my credit?

If you've ever applied for a credit card, personal loan, or insurance, there's a credit report about you. It is full of information on where you live, how you pay your bills, and whether you've been sued, or filed for bankruptcy. Consumer credit reporting agencies sell the information in your credit report to creditors, insurers, employers, and other businesses with a legitimate need for it. They use the information to evaluate your application for loans, credit cards, insurance, employment, and real estate.

What is on your credit? Have you already become a victim of identity theft? Get a free copy of you credit report and find out how to contact the three major credit bureaus. Find out how to fix credit report problems. Inaccuracies in a credit report may be the result of simple human error. You may have a lower credit score than you deserve because of a simple mistake. Whether the inaccuracies relate to payments not credited, late payments, data mixed in from the credit file of someone else, fraud or identity theft, dispute inaccurate information promptly.

A credit report is a report complied by an agency that collects credit histories, then distributes that data to credit grantors and the public. The credit reporting agency collects data from lenders, utility companies, collection agencies, landlords and court houses. When you apply for credit, a job, insurance or an apartment the credit  grantor will review your credit report before approving or declining your application. Your credit report helps a person that does not know you decide if you are credit worthy.