Personal Credit Report
A Credit Article Contributed by Mistie Cauley
Get Your Personal Credit Report Free
If you would like to see your very own personal credit report, you can. To do this is simple. You may write to the credit reporting agency and ask for a free copy. They will send that to you within a couple of weeks. If you would like to see your personal credit report faster, you can go online and get a copy also.
Personal Credit Report Information
Your personal credit report has all the information about you needed to apply for any kind of credit. This could include, but is not limited to loans and credit cards. The information on your personal credit report includes your name and any alas you may have. The credit report also includes your address and maybe a past address for you. Your phone number may also be on your personal credit report.
Any loans, credit cards, unpaid medical bills or any other out standing bill will be on your personal credit report. This information is there so a financial institute may view your payment history, if you are apply for assistance for anything.
Fixing Your Personal Credit Report
Sometimes when one gets to see their personal credit report they may find a discrepancy. If your name, address or phone number are wrong you may simply call or write the credit reporting agency to have these things changed. If you see an unpaid bills that you are sure you have paid, you can have that fixed also. You must provide proof to the credit reporting agency that you have payed that particular bill. After some time your personal credit report will be fixed with the new information.
If you may have had a bill sent to a collection agency, the company that sent that bill to the collection agency is responsible for reporting to the credit reporting agency that you have payed this bill in full. You may call that particular company to have this matter resolved.
Credit Reports are Personal
Your credit report is personally yours and yours alone. No one can change your credit report or view your credit report without permission. This simply means that the credit score on your personal credit report is that of which you have made it. No one can make your credit good or bad but you. Each and every thing on your personal credit report is about you and you alone.
Credit Report Personal Scores
The scores that come a long with a credit report are for you and only you. Each person has their very own credit score and each of them may differ slightly. The credit report scale for scoring is the exact same for all. The only thing that makes your personal credit score different is you. If you have excellent credit, meaning you have paid all bills on time and have no bills waiting to be paid through collection agencies, than your personal credit report score will be high.
If you have unpaid bills or late payments that information will show on your credit report and make a lower score for you. Low credit report scores are not good. High credit report scores are good. The higher the better for you. The lower the credit report score the harder to get things that you want or need to get done.
