Credit information California

3 April 2006 What Will My Experian Credit Report Tell Me? These are the details you provide us with credit information California when you become a CreditExpert member.

When credit information California you join CreditExpert, you give us basic information that lets us identify you and find our credit report when you ask for it. If any of your details change, you can let us know by editing your profile. This section lists all the organisations that have contributed information to your credit report. Its a central source of contact details for you credit information California if you want to query anything or find out more.

Do you want to contact anyone? This section shows credit information California the dates that your name was registered on the electoral roll and the addresses credit information California you were recorded at. How lenders use the electoral roll Lenders check whether you credit information California are registered to vote at your current address as aprecaution against fraud. If they dont find you or youre registered at a different address, they may ask for further proof of identity or even credit information California turn you down. Are you on the electoral roll at your current address? Aliases are created when lenders tell credit information California us of other names you have been known by or when you tell us of other names you have used. get credit report online Many people change their names when they marry or divorce. Others simply dont like the name they were born with or are given a title. This section lists your current and previous names here your aliases and allows you to find out who notified the name change. Are all your names recorded correctly? Financial associations show details of anyone you are financially connected to. Financial connections are created by joint accounts, joint applications, joint court judgments or from information you give to us.

When you take out a joint credit account, such as a joint credit card, you create a financial link with the other applicant, who is then listed in your credit report as a financial associate.

Lenders may check the credit report of financial associates when you apply, because their financial circumstances could affect your ability to repay.

Is the list of your financial associates up to date? This section of your credit report contains details about court judgments, bankruptcies and individual voluntary arrangements. check my credit score

Your credit report contains information held on public records, such as court judgments for non-payment of debts, any bankruptcies or individual voluntary arrangements (IVAs). Is the information taken from public records correct? Bankruptcy, IVAs and court judgments Records of court judgments and IVAs are held on your credit report for six years and bankruptcies are there credit information California for at least the same length of time. Debts repaid within a month of a court judgment can be marked as Satisfied. Are details of court judgments, IVAs credit information California and bankruptcies up to date? Credit account information shows details of your credit agreement with lenders. The term "credit" covers every account that gives you something of value money, goods or services that you can use today, on the understanding that you will repay the lender at a later date. Thats why youll find items such as utility and mobile phone accounts here, as well as credit cards, loans and mortgages. Are all your accounts listed on your credit report?credit information California Every account in your name will affect your credit rating even if a criminal is impersonating you to borrow money. If you find any accounts you dont recognise, you could be a victim of ID fraud. Did you set up all the accounts in your name? From catalogue shopping to a loan for furniture, you probably have many different types of credit account. all 3 credit reports

Do you know how many credit accounts you've taken out? This entry shows the current balance of each account the amount you have spent and not yet repaid. Are your balances recorded correctly? Lookout for an 8 when checking the account status. It means that a lender has terminated the account because you havent made payments and have failed to come up with a way of putting things right.