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Credit1Solutions.com Education


Understand, Build and Manage

Your Credit Whether you’re buying a home, a car or applying for a credit card – lenders want to know the risk they’re taking by lending your money. Understanding how credit plays an important role in your life is an important step to improving your credit scores which can often help you qualify for better rates from lenders, which can save you money.

We believe the more insight you have about credit, the easier it is to strengthen your financial well-being. For more than a decade, Credit1Solutions.com has been America's number one Credit Repair provider of credit information. In addition to credit report repair, we offer help online to teach you how to successfully manage your credit rating.

Education

What's in a credit report?
What's a credit bureau?
What's included in a credit report?
What's NOT included in a credit report?
Types of information in a credit report
Where does the information come from?
Who can see my credit report?
What is a credit score?
How are credit scores calculated?
What is a "fico" score?


We give you the inside scoop...


First Things First Your Credit Report
FICO and You
Next Things Next Finding Your Score
Establishing Good Credit
Repairing Your Credit Score
Identity Theft and Your Credit
Raising Your Credit Score

What's Not Included In Your Credit Reports

Contrary to popular belief, your credit report does not contain information about your checking or savings accounts, or your race, religion, gender, political affiliation, or personal lifestyle. Your credit report also does not contain medical history or criminal records.

(But, remember, your credit report is only one type of consumer report. As we've seen, there are specialized consumer reporting agencies that DO collect, maintain, and report some of this information. In addition, there are companies that provide what the FCRA calls an “investigative consumer report” which it defines as:

A consumer report or portion thereof in which information on a consumer's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Fortunately, the FCRA requires that these companies notify you if they prepare an investigative consumer report about you. Although this is something to certainly worry about, let's stay focused on credit reports for now. Just remember that credit reports and investigative consumer reports are different.)

Finally, your credit report may also not contain information from all of your creditors. As we talked about above, some of your creditors may not report to all of the credit bureaus, and some may not report to any credit bureau. Therefore, parts of your credit accounts and history may appear in different credit reports, or not at all.