Credit bureaus collect and sell four basic types of information:
Identification and employment information
Your name, birth date, Social Security number, employer, and spouse's name are routinely noted. The CRA also may provide information about your employment history, home ownership, income, and previous address, if a creditor requests this type of information.
Payment history
Your accounts with different creditors are listed, showing how much credit has been extended and whether you've paid on time. Related events, such as referral of an overdue account to a collection agency, may also be noted.
Inquiries
CRAs must maintain a record of all creditors who have asked for your credit history within the past year, and a record of those persons or businesses requesting your credit history for employment purposes for the past two years.
Public record information
Events that are a matter of public record, such as bankruptcies, foreclosures, or tax liens, may appear in your report.
Pre-qualify for a loan in a few simple steps
Fill out your Secure Application
See what our clients are saying:
We've been helping customers afford the home of their dreams for many years and we love what we do.
Company NMLS: 391808 CA BRE# 01837807
www.nmlsconsumeraccess.org
6085 Douglas Blvd, Ste 500
Granite Bay, California 95746
Phone: (916) 289-1077
mario@mariorice.com
Powered By LenderHomePage.com