Who Uses Your Credit Report

• Who’s Looking at Your Credit Reports?

  You might have been surprised when your auto insurance rates went up. You did not get into an accident nor did you get a ticket. You can’t seem to figure it out, so you call your insurance man and find out that they checked your credit report and found that you were a credit risk. This may cause your rates to skyrocket and even worse if you look to change providers the new company may not accept you because of your credit score.

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• Been Denied Credit? Here’s What To Do

  Have you applied for a mortgage and been told you don’t qualify?  Or a new car loan, and told that your credit is not good enough to qualify for the special teaser rates?  Unfortunately, it happens all too often nowadays—more and more people are receiving credit denial letters.  If you receive one, here’s what you need to do.

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• Your Credit Score: How Employers Use It

  You probably know that credit card companies, mortgage companies and car lenders use your credit report and check your credit score.  Did you know that your credit reports can be pulled by potential employers as well?

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• How Your Credit Reports Are Used

  Ok, so let’s assume that you have (or are going to have) a credit reputation that is shown in credit reports compiled by several credit bureaus.  How do banks and other companies use that information to give (or deny) you credit?

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