The simplest way to find out about your credit history is to order a copy online. You want a website that provides you with information from the three major credit bureaus; Experian, TransUnion and Equifax. These bureaus analyze your financial decision making and put that information into a report. A good website to use that provides this information is creditchecktotal.com. It only costs $1 to check and can provide you with invaluable information compiled into a credit report. Your report will not only provide your current credit score, but also your entire credit history.
A credit report acts as your credit references. A positive credit history tells potential lenders that you manage your finances well, i.e. borrow money and pay it back in a timely manner. A negative credit history tells lenders you have a difficult time managing your finances and instead are in debt, often not repaying them as agreed.
Credit reports help you by providing you with your personal financial history. This may include attempts at fraud made by others at your expense or errors made by varying lenders. The report can also provide you with good or bad decisions you may have made in the past. By staying up-to- date with your financial history, you can ensure you are making good choices, have the ability to detect if someone is committing identity theft and ensure there are no errors.
If you are not happy with your current FICO score and/or credit history or find there are errors in the report, you can contact a credit repair company. The credit repair company can boost your credit score,remove negative items and/or dispute errors on your behalf. To learn more about credit repair, read HOW DOES CREDIT REPAIR WORK?