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Instant Credit Report

Get hold of an instant credit report by getting on your favorite search engine and looking for sites that offer credit reports for free. Make sure that the site you select promises to give you an instant credit report. For example, you can opt for a free Experian credit report, or a free Trans Union credit report. You can even search for a merged credit report. Getting your free credit report score helps you keep track of your credit status.

Your instant credit report will contain:

Identification - This will include your name, address, Social Security Number, and date of birth. There may also be variations on your name (such as maiden names for married women) and possibly a phone number. This information generally comes from credit applications that you have previously submitted to creditors, and from your requests for copies of your credit reports.

Accounts - These may also be called "trade lines," and may include credit cards, loans, checking overdraft credit, and so forth. Each item will specify what type of account it is, when it was opened, the date of the most recent activity, and information on your payment history. If there have been any problems with the account, ranging from a late payment to a charge-off, it will be mentioned here.

Public Filings - This would include bankruptcies, lawsuit judgments against you, tax liens, fines, and other government-related negative items.

Inquiries - A list of companies that have ordered copies of your credit report. This will include credit checks related to applications that you have submitted to creditors along with periodic monitoring/review by companies where you already have accounts, and promotional sweeps for "pre-approved" offers.

Additional Information - This may include previous addresses, and/or employers.

Warnings - If the credit bureau considers any of the information in your file to be suspicious, there may be a notation such as, "Multiple Social Security Numbers Reported," or, "This address has been previously associated with fraud," or whatever it is that they are concerned about. Your address can even be red-flagged as a result of the misbehavior of a previous occupant, or even a neighbor in a multi-unit apartment building.

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