Sorry for a stupid question, but I am new to this. When someone checks your credit history, can he see exactly what you are paying for {in case of a bad history what you didn't pay for} or he only get the info whether you have good or bad credit history?
2007-08-04 15:50:31 · 9 answers · asked by Matahari 4 in Business & Finance ➔ Credit
You can see your own credit report online. By law, it's availble once a year for free from any of the three credit reporting agencies. Check it out at:equifax.com, experian.com, or transunion.com. You can get all 3 at once along with your FICO score as well, for a fee.
What it has in it: personal profile (name and all addresses on file you have lived at), credit account history (all credit cards and loans ever taken out with payment history, when on time, when 30-60 or more late, whether still open or closed, what kind-credit or mortage or revolving store card), credit inquiries (when lenders check your credit when you apply for loans,-"hard pull" subtracts a point or 2, or pre-approval credit card offers-"soft pulls"that don't affect your credit, no points to check your own credit report), public records (bankruptcies, liens, delinquincies, etc.).
Most info stays on a long time. Good for credit paid on time, bad for late payments and banruptcies. Neagative info does not go away in 7 tears if still unpaid. It keeps getting reported. Settled bad debt will go off 7-10 years after paid.
Ways to improve your score: keep credit cards you have had for a long time (length of credit helps), don;t take out too much new credit, keep your credit debt balance low, DON'T PAY 30 DAYS LATE ever if possible.
And CHECK YOUR CREDIT REPORT for accuracy. They are sometimes wrong and you can dispute them with online request and by law they have to resolve it in 30 days or take it off.
Go check it out now and good luck!!!
2007-08-04 16:05:47 · answer #1 · answered by wisedrdave 2 · 0⤊ 0⤋
You are partialy correct, however, there is alot of data on a credit report. An individual or company looking in to your credit history can view the following information: Your birthdate, address, Any and all credit cards (visa) you have opened and closed; including minor credit cards such as local (store) cards. By the way which are not a good idea to have since you can just use a visa or mastercard pay for the same items. In addition, a credit report will include any loans you have opened and closed, such as car loans, current mortgages or have even applied for. Appling for loans and getting declined will lower your score as well. Also the report will show if you have made any deliquent payments on any open loans or outstansding debts, usaully they only get tracked on your report if you are 30 days late.
2007-08-04 16:14:29 · answer #2 · answered by Scott R 1 · 0⤊ 0⤋
For Credit and finance solutions I visit this site where you can find all the solutions. http://SMARTFINANCESOLUTIONS.NET/index.html?src=jjihxXT51
RE :When you get your credit history checked, what information it gives about you?
Sorry for a stupid question, but I am new to this. When someone checks your credit history, can he see exactly what you are paying for {in case of a bad history what you didn't pay for} or he only get the info whether you have good or bad credit history?
Follow 8 answers
2016-10-08 11:54:03 · answer #3 · answered by Buffy 6 · 0⤊ 0⤋
Have seen lots of people asking info on bad credits. Well, if you need to get your problem solved onarrange loans or other finance, and usually means you will pay more interest on any loan you take out.
2007-08-04 16:46:00 · answer #4 · answered by jimmy w 1 · 0⤊ 0⤋
it really just depends on what type of credit check is done. some get pretty detailed (probably will see bankruptsy, and its depends on how bad you messed up. a couple late payments wont show up, but on the other house outstanding loans and locked credit card most likely will. sorry for being so vague....
2007-08-04 16:26:43 · answer #5 · answered by Anonymous · 0⤊ 0⤋
just a basic score on your credit in most cases. like bounce checks. there is nothing to worry about. once they check and deny you, you have a right to view whats on there.
2007-08-04 15:58:02 · answer #6 · answered by just hanging around 5 · 0⤊ 0⤋
They get a list of all your creditors, credit limits, current balance, and payment status.
2007-08-04 15:57:36 · answer #7 · answered by bdancer222 7 · 0⤊ 0⤋
It shows whether you pay on time, have late payments, in default, whether you have bankruptcies
2007-08-04 16:03:26 · answer #8 · answered by V C 2 · 0⤊ 0⤋
They check how long you fart how loud you fart and how bad dose it smell.
2014-02-27 12:06:39 · answer #9 · answered by Anonymous · 0⤊ 1⤋