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Who Can Read Your Credit Report And What Can They Do With The Information?

Whether you are applying for a mortgage, a credit card, or financing for an automobile or business, your credit history becomes important any time you want to take out a loan. Anyone who you do business with can obtain a copy of your credit report.

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What Is Your Credit Report?

Your credit report contains records of each credit-based account you have opened, along with information about when it was opened, the amount of credit extended, whether the account was paid off, and whether or not you had any missed or late payments.

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The Importance Of Credit Monitoring

Identity theft is one of the fastest growing crimes in the country today. It doesn’t just happen if your credit card gets stolen and you end up with fraudulent charges on your account.

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About Your Credit History

When you apply for a credit card, the credit card company uses your credit score and the information in your credit report to decide whether or not to approve your application. Your credit report contains information about your current debt load, your history of repaying past loans, and whether or not you have ever defaulted on payment of bills, credit cards, or any other kind of loan payment.

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