Credit Reports Inside Out
The score, also known as the Beacon score, is a rating that you receive between 300 and 800 based on your positive or negative credit reports. How many times you have applied for a loan also reflects on the Beacon score? Most lenders require a minimum score to be eligible for a particular loan. The Beacon score is the most important section of your credit report; it is the most commonly sought after piece of information recorded.
Your credit report, however, contains much more than just your payment history. It also contains all names you have ever used, including name changes and maiden names. Your social security number, current address, current employment and all loans you applied for and did not receive are also listed in the credit report. Lenders will review the entire credit report and cross-reference it with any application you have filled out.
It is always a wise decision to check your own credit report from each agency at least twice a year. The reports are all in an easy-to-read format and often come with detailed instructions. Reviewing your credit report information periodically will give you insight into the areas you need to improve on, or what loans you may be approved for.
Updating the personal information in your report on current employment and residence is also essential. Identity theft will be recognized much earlier with a
regular credit report check, and although the damage is difficult to erase, the sooner you can tackle this growing crime, the better.
Your credit report is a valuable commodity, to you, and to others, you need to look after it carefully!
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