Credit Report Information

Verifying Your Credit Report Files Can

• Explain why you were denied credit

• Ensure that all personal information is accurate

• Provide protection from credit bureau errors

• Provide protection from creditor errors

• Provide protection from identity theft and credit fraud

In Addition

It is recommended that you review your credit report files before:

• Applying for a loan

• Applying for a credit card

• Getting married

• Starting a business

• Renting or buying a home

• Changing employers

It is also highly recommended that you review your credit report files after:

• Divorcing

• Moving

• Being denied credit

• Becoming a victim of identity theft and credit fraud

A Partial List of Companies That May Access Your Credit Report Files

• Banks

• Credit Card Companies

• Mortgage Companies

• Auto Loan and Lease Companies

• Cellular Phone Companies

• Auto and Life Insurance Companies

• Personal Loan Companies

• Department Store Charge Cards

• Landlords

• Employers

Helpful Information