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Information Contained In Credit Reports Most People Are Not Aware Of.

 

Have you ever wondered what information is on your credit report? If so, take a look at this post from Loan Originator, George Souto. You might just be surprised!

Information Contained In Credit Reports Most People Are Not Not Aware Of.  I have written a number of blogs in the past about Credit Scores and Credit Reports.  I even did a series on the history of Credit Reports back in 2007.  But I have not written or read a blog outlining the type of information contained in a Credit Report other than:

  • Credit Scores
  • Debts such as:
    • Credit Cards
    • Student Loans
    • Car Loans
    • Mortgages
    • Utilities
  • Payment History such as:
    • Lenght of Credit
    • Available Credit
    • Late Payments
  • Bankruptcies
  • Judgments
  • Tax Liens
  • Collections
  • Bankruptcies
  • Short Sales

But there is other information Credit Bureaus collect and report on Credit Reports which most people are not aware of like:

  • Credit Inquiries
    • Who Pulled Credit
    • When A Credit Report was Pulled
    • Number of times A Credit Report was pulled
  • Contact Information for all Creditors
    • Phone Numbers
    • Addresses
    • Account Numbers
  • Past Employers
  • Past Addresses
  • Criminal Record
  • Law Suits

Not all this information is on every Credit Report, but this information is collected on everyone by the Credit Bureaus.  The information is then provided on Credit Reports depending on the type of Credit Report and who is requesting it.  For example Criminal Records and Law Suits are not reported on a Mortgage Credit Report, but it would be reported on a Credit Report requested by an employer for employment purposes.

There is very little about our present and past Credit Bureaus do not know, and are unable to provide if requested. There is a lot of Information Contained In Credit Reports Most People Are Not Aware Of.  Prior to becoming a Loan Originator I was not aware of how much information could be obtained on Credit Reports from Credit Bureaus, and I suspect many others are unware of this as well.

 

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 Info about the author:

George Souto NMLS# 65149 is a Loan Originator who can assist you with all your #FHA, #CHFA, and #Conventional #mortgage needs in Connecticut. George resides in Middlesex County which includes #Middletown, #Middlefield, #Durham, #Cromwell, #Portland, #Higganum, #Haddam, #East Haddam, #Moodus, #Chester, #Deep River, and #Essex. George can be contacted at (860) 573-1308 or gsouto@mccuemortgage.com

This has been brought to you by Joni Bailey, YOUR Huntsville / Lake Livingston Area real estate professional. Before you buy or sell, call Joni Bailey at (936) 650-9017. I look forward to earning your business and exceeding your expectations. 

 

 

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Comment balloon 0 commentsJoni Bailey • October 19 2013 10:09AM

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