A credit report is a document that lists any outstanding debts that you may have, as well as the status of any credit cards or lines of credit that you may own. Credit reports also include your credit history. Late payments of utility bills and credit card or loan payments may also be reported.
There are three main credit reporting bureaus: Experian, Trans Union, and Equifax. Many credit reports offer a report from all three of the bureaus, which may cost you a little extra. You may only need to receive a report from one of the credit reporting bureaus, so be sure and find out what kind of credit report you need prior to ordering one.
The main information on your credit includes:
Dealing with your debt can be confusing and frustrating. An attorney can help you sort through your financial problems, and offer solutions, including negotiating with your creditors and possibly filing for bankruptcy.
Last Modified: 05-30-2014 03:17 PM PDTLaw Library Disclaimer
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