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Credit Report Agency

If you've ever applied for a credit card, a personal loan, or insurance, there's a file about you. This file contains information on where you work and live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy.

Companies that gather and sell this credit report information are called Consumer Reporting Agencies (CRAs). The most common type of credit report agency is the credit bureau. The information CRAs sell about you to creditors, employers, insurers, and other businesses is called a consumer report.

A credit report agency collects and sells four basic types of information:

Identification and employment information
Your name, birth date, Social Security number, employer, and spouse's name are routinely noted. The CRA also may provide information about your employment history, home ownership, income, and previous address, if a creditor requests this type of information.

Payment history
Your accounts with different creditors are listed, showing how much credit has been extended and whether you've paid on time. Related events, such as referral of an overdue account to a collection agency, may also be noted.

Inquiries
CRAs must maintain a record of all creditors who have asked for your credit history within the past year, and a record of those persons or businesses requesting your credit history for employment purposes for the past two years.

Public record information
Events that are a matter of public record, such as bankruptcies, foreclosures, or tax liens, may appear in your report.

Via the Internet, you can apply for credit reports from one of the credit reporting agencies. If you have bad credit then you can apply for a totally free credit report. Apply today online for your credit report, it's fast and easy.

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