It’s All There in Black and White
According to the Federal Trade Commission (FTC), a credit report includes information on where you live, how you pay your bills and whether you've been sued, arrested or filed for bankruptcy.
Nationwide consumer reporting companies share the information in your report with creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment or even renting an apartment.
Essentially, your credit report is available to any party who wants to pay for it. People will see it and it’s in your best interest to make sure its contents reflect you in a positive light.
You are also entitled to a free copy of your credit report annually. The FTC directs consumers to annualcreditreport.com to obtain a legitimate, free copy of your report so you can review it for accuracy. This will eliminate any surprises and reveal any mistakes that may be affecting your credit score.
Click here to obtain your current credit report.