free copy of your credit report

Browse a credit report is a little confusing, but it is important to understand how all those numbers affect you whether you are credit worthy. A credit is broke into four basic areas and each is important that your credit score.

The first section contains information about your identity

This is only the basic information that identifies who you are. It may also include a list of addresses where you lived, your name and other names that you have by your Social Security and driver's license numbers, spouse's name, date of birth and telephone numbers, in connection with your name.

The second section contains your credit history

In this section, all of the credit accounts that you have. He will say how long you have the invoice, which type of account it is, if it is a joint account, amount, the loan or the credit limit, you have the entire amount you owe, the amount of monthly payments, status of the account, and if you already have your payments on time. This section could also say, notes that if you usually late or pay a debt that never collected.

The third section contains your public records

This section contains all bankruptcies, tax liens or judgments against you. If it is in the public records, it is clear in this section of your credit report.

The fourth section contains questions

Every time someone your credit report requests that the information in this section. This means that every time you fill out an application for credit, that credit inquiry is noted on your credit report. Not all inquiries on your credit report by you. Soft inquiries are those of the company, the unsolicited contact with you and offer you a pre-approved loan or credit card.