Personal Credit Report

You've probably heard a lot of people talking about receiving a copy of their personal credit reports, and wondered if you needed to do the same. Your credit report provides you with an overview of your credit history. Credit card companies and lending institutions file routine reports on your accounts, as do cell phone companies, real estate management companies, and government agencies.

Your personal credit report contains a great deal of personal information. Data such as your address, social security number, and date of birth can all be used to establish new lines of credit, and should be protected from view by the general public. In the wrong hands, this information may be used to steal your identity or commit other forms of credit fraud.

There are certain items that should not appear on your credit report. Your credit report should not contain medical information unless you have given consent for that information to appear. In addition, bankruptcies that occurred more than seven years ago should no longer be on your credit report.

Some other things to look for in your personal credit report include the appearance of missed child support payments, criminal convictions, and any information concerning your race, age, or martial status. Negative remarks on your credit report are usually removed between seven and ten years after the offense occurred. If negative information is still on your credit report, you may want to consider having the errors corrected.

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