| 3-in-1 Credit Report |
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Lenders usually check your 3-in-1
Credit Report, the most complete picture of your credit history
available. With data provided by all three national credit bureaus—Experian,
Equifax, and Trans Union—you'll know the full story.
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| Find
out what personal information the credit bureaus have in your file. |
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Make sure all three
credit bureaus are reporting your correct name, address, and employer. |
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Watch out for incorrect
addresses—this may be a sign that an identity thief has redirected
your mail to a false address. |
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| Understand
your credit file with an easy-to-read summary of your report. |
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See all of your
essential credit report information at-a-glance. |
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Make sure all three credit bureaus
are reporting accurate information. |
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Watch out for inaccuracies that
could negatively impact your credit standing. |
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| Get
detailed information about all of your loans and credit card accounts. |
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Is the account open or closed? |
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What is your monthly payment? |
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What is your total balance? |
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What is your maximum limit? |
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Have you ever had any late payments? |
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Make sure the information is
accurate and up-to-date, consistent between bureaus. |
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Watch out for accounts that are not
familiar—these could be accounts that were opened fraudulently in
your name. |
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| Discover
who's been looking at your credit report. |
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Make sure you've
authorized all of the inquiries. |
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Watch out for names of companies that are not
familiar—if you haven't authorized the inquiry, it may be a sign of
fraud. |
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Note: When you
personally check your credit report with TrueCredit.com, the inquiry
that is recorded will not adversely affect your credit
standing. |
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| Get
contact information for all of your creditors. |
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Use the addresses and
phone numbers to contact them in case you identify issues that need to
be resolved. |
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