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GLOSSARY TERMS

A credit report contains a history of past and current credit transactions, including any accounts with banks, retailers, credit card companies, and other lenders. Your report also includes information such as current and prior mailing addresses, Social Security Number, birth year, spouse's name, and information about your employer. It may also contain public record information, such as bankruptcies, tax liens, or any monetary judgments against you.

Federal laws regulate how your credit file is used, and who can access the data contained in your credit report. Only those companies with a legitimate need to view your credit information (such as banks, mortgage lenders, etc.) are permitted to access this information. Potential employers can only access your credit report with your express permission.

Because of the high volume of information processed by credit bureaus, inaccuracies may occasionally occur. By regularly reviewing your credit report and disupting any discrepancies, you can prevent potential delays or denials in receiving credit that may otherwise result.

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