It is quite difficult to understand what is a credit report where it leads to lots of confusion on examining the past activities that happened in a year. It will be easy for you to understand if you spend some time with patience where it will also help you to protect yourself from the identity theft.
Most of the people ask the question what does my annual report contains in it. It usually contains the sensitive and private information along with the personal information, credit enquires and the public record.
Personal information or the details are the first thing that you will find in your annual report is the basic information like name, date of birth, address and your social security number. It also contains the history about your past job along with the work spot along with the contact numbers. All though it is not important, you need to provide the correct date of birth and the social security number.
Events on the Public Record
All the public events comes under the another section. In this section it usually contains foreclosures, court disputes and the court liens. The detail provided in this section usually tells about the matter that needs you need to be corrected.
Record of Payment
This is the most important part of the annual report of an individual. The entire credit history will be found here. For any creditor who reports the bureau will include the information like duration of credit, credit amount, credit details, and about the payments made by him. You need to provide special attention to this section as the undefined creditors and their charges will help you to solve the credit suffering. In case of inaccurate information you require the documentation to show the inaccurate information to the creditors and credit bureau to get it corrected as soon as possible.
Inquiries about the Credit
This section is the last part of the credit report as it contains the information about every creditor who checked your credit report for past six months. It is also import to recognize each lender who usually verifies your credit to avoid getting into the hands of wrong person where the unrecognized inquire will result with red color flag.
Sadly the free version will not contain any credit score. However few number of credit agencies provide this option as optional choice for a minor charge.
Get my credit report
Have you tried to find out your credit report in recent period it might be confusing if you try to find it along with the credit scores where some offers you sound information on your requirement but if you have a close look you will find that the information is provided from only one of the credit bureaus.
Most of the people say get my credit report to their assistant where you need to find the both report as well as score then it is better to refer the 3 major credit bureaus to find all the information at free of cost where it is little tricky. The first step to avail this offer is signing up with the credit monitoring services. You can even find it my searching the term through the online.
Free yearly credit report
There are certain procedures to get the free yearly credit report. The first one is visiting the credit bureau where it is impossible to visit them often. So it is better to use the online services with the help of the internet connection in your personal computer. Applying for the annual report will help you to access the information about the credit.