How to Read a TransUnion Credit Report

Fair Credit Reporting Act (FCRA) to report each of the national consumer organizations (of Equifax, Experian and TransUnion) to provide free credit report requests, your every 12 months you are. This means that three years of free credit report each year to enjoy if you think necessary. You can stagger the requests or commands at the same time.

The offices of national consumer credit report credit report has a unique format, but basicallyThey provide the same information. When you receive your free TransUnion credit report, the following guidelines in order to view the report:

Privacy

Your personal information discussed in this section: name, so that social security numbers (SSN), telephone number, current address, current employer, date and venue. Your nuclear submarine will be shielded to prevent identity theft. The document also shows that your time has been in the loop in conjunctionDatabase.

Account Information

This is a legend, you can learn the status of individual accounts. State of the field is not applicable, unknown, at present, 30 days late, late 60 days, 90 days too late, to 120 days.

Do not need an account

Can lead to information that you will be listed here as a credit creditors. The following information display: The creditor, address, phone number, name, account number, account balance, the maximumCredit account, the account limit of account status, account type and account opening date. It will also indicate who is to resolve any claim or issue of the account responsible.

In addition, in this section, any bankruptcy, foreclosures, judgments, or in your credit record are listed in the lien.

Fully responsible

I hope you can be in this account is not a one to find. You are listed here account for each project aA good FICO score. The following information display: The creditor, address, phone number, name, account number, account balance, the highest account balance, account limit of account status, account type and account opening date.

Periodic inspection

All of the company your credit files and an investigation of your credit report will receive are listed here. Please generate, if you have to apply with its creditorsOn the line of credit or loan (such as mortgage or loan application), ask for your credit history. Some of their problems may be due to a potential employer. The request will detail the company's request, their address, date of the complaint and request the name of the grounds. Survey data will remain on your credit report for two years.

Analysis

This is your credit report all requests for a list of companies. TheThe request in more detail a request for companies, their address and date of their proposed name of the application.

Sample Trans Union credit report

You may also find the following credit report is also helpful:
CURR Partners - an account is the latest in payment and a good reputation.
Curcumin is a 30-2 - Account is now twice as many as 30 days late.
Paid - account is worth it, with the balance and 0 U.S. dollars in a non-active.
CHARGEOFF - the unpaid balance of the account as a loss reportCreditors and the creditor will no longer be any refund.
Collection - an account, serious arrears and assigned to the collection.
Foreclosures - the object has been excluded.
BKLIQREQ - debt relief is a Chapter 7, 11 or 13
DELINQ 60 - account was in arrears for 60 days.
Disabled - account is disabled.