Find all 3 credit reporting agencies addresses, websites and phone numbers. You will find the most information for each credit bureau that creates a credit report on you.
These agencies collect information about you and your credit history from public records, your creditors and other reliable sources. These bureaus make your credit history available to your current and prospective creditors and employers as allowed by law. They do not grant or deny credit.
They take a look at your history and assign a score to you. This score is used by lenders to decide if they want to give you a loan or not. .
Knowing this should help you see why it is important to protect your score at all costs. It is a reflection on you.
Your payment history also affects this score, so pay your bills on time. That way your score will reflect positively on you.
Knowing the information reported by these agencies can help you.
If your credit is not very good, you can use this information to begin your credit repair.
1st Credit Bureau
Equifax Credit Report
PO Box 105873 Atlanta, GA 30348 800-685-1111 www.equifax.com
Understanding how credit scores work is the beginning of the mortgage process. Know your credit scores before you apply for a mortgage. Many free details found on this page.