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Your credit report may be one of your most important assets. It documents your outstanding loans, account balances, and payment history with businesses that have extended credit in your name, including your mortgage company, banks, credit card issuers, and more. Any tax liens, court-awarded judgments, settlements, charge-offs, and bankruptcies also appear.
Additionally, each time a company or an individual (other than yourself) obtains a copy of your credit file, it is counted as an "inquiry." This access may be legitimate, as in the case when you have applied for a loan. However, frequent or "excessive" inquiries-especially when you are not actively seeking new credit-may be a sign of identity thieves at work. Such a scenario suggests that someone may be using your personal information to commit fraud. |
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| How is it used? The information in your credit report may help or hurt you the next time you: |
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| • | buy a home |
| • | refinance your existing mortgage |
| • | purchase or lease a vehicle |
| • | apply for a credit card |
| • | obtain wireless phones service |
| • | rent an apartment |
| • | apply for a new job |
| • | renew or purchase an insurance policy |
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Verify your credit information now!|
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Includes 1 easy-to-read credit report with data from all 3 credit reporting agencies and your personal credit score. |
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Includes 1 easy-to-read credit report and your personal credit score. |
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* Insurance underwritten by Travelers Casualty and Surety Company of America and its property casualty affiliates, Hartford, CT 06183. Coverage for all claims or losses depends on actual policy provisions. Availability of coverage can depend on underwriting qualifications and state regulations. Coverage not available for residents of New York.
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