Why should you want to check your credit report rating?为什么你要检查你的信用评级报告?How do I get ahold of my credit report?我如何得到我的阿霍德信用报告?What is shown in your credit report?什么是列在你的信用报告?Now I will take a look at all of this.现在我来看看这一切.I encourage everyone to get their hands on their credit report to make sure that it is accurate.我鼓励大家要对自己的双手使信用报告是准确的.In this day and age, your future could be riding on it.在这个时代,你可以骑在它的未来.
Well...to know the credit worthiness of an individual, lenders often rely on a the credit report.熟识知道个人信誉,放款往往依赖信用报告. A credit report is a rating made by an authorized credit agency that signifies a person's credit history.信用报告是由认可的信用评级机构,标志着一个人的信用历史. A credit report must be checked regularly in order for the individual and his lenders to know his credit rating.信用报告必须定期检查,以便对他个人和他的放款知道信用评级. It's an important part of the mortgage process, whether it's a personal loan, business loan, refinance or debt consolidation.它的一个重要组成部分抵押过程中,不管是个人贷款,商业贷款,债务融资或合并. Anytime you go to a financial institution to get a loan your credit rating will be checked.随时随地你到金融机构取得贷款信用评级将你检查.
Why do you need to check it?你为什么要检查呢? Many things can happen that can effect your credit rating that is incorrect.很多事情能影响你的信用评级,是不正确的. For example:例如: 1.1. Utility companies may have reported you as paying late when you didn't.公用事业公司可能报道你的时候,你又不缴纳逾期. This is something that should be cleared up.这一点应予以清理. It will improve your credit rating.它将提高贵信用评级. This same kind of thing can happen with anyone that you pay money to on 'credit'.这同样的事可以发生在任何你出钱让'信用'. Humans make errors and these errors could be effecting your credit rating.这些失误和偏差,使人类能够影响你的信用评级.
2.2. You could have become the victim of identity theft.你可能会成为受害者身份偷窃. Right now identity theft is growing rapidly and the bigger the internet gets the easier it gets for someone to steal your identity.目前身份盗窃较大增长迅速,互联网容易吃大便有人窃取身份. If someone steals your identity they can open new accounts in your name, switch card statements and other things that can ruin your credit rating.如果有人偷了你的身分可以开新帐户姓名、交换机卡报表和其他事情,却破坏你的信用评级. The credit report will show this.信用报告将显示这一点.
3.3. If you have a familiar name, eg John Smith, you could be the victim of mistaken identity.如果你有一个熟悉的名字,如:约翰史密斯,你可能弄错受害人身分. Someone else may have your same name and age.别人可能有你同样的姓名和年龄. Their credit history may very well be effecting your credit history.信用历史很可能影响你的信用历史. Humans do error.人体做错误. If a data processor enters the credit information on the wrong person than you could be shown as having a bad loan in your name.如果一个数据处理器进入征信错人比你能够证明具有不良贷款在你的名字. In reality it is a bad loan that someone with your same name hasn't been paying..它实际上是一种不良贷款有人同名未获你付出..
4.4. Seeing what your credit report shows can help boost your confidence.看到你信用报告表明您信心有所帮助. Knowledge is always the key to leverage.知识是永远的关键杠杆. With the knowledge of what your credit report says will help you know whether or not you are worthy of the credit you are trying to obtain.什么样的知识将帮助你说你的信用报告,知道你是否值得信用你想得到.
Where to get your credit report你从哪信用报告 There are three source where you can obtain your credit report:你们那里有三个来源得到您的信用报告: 1.1. Equifaxequifax 2.2. Experianexperian 3.3. Trans Union跨联盟
Each one of these agencies uses their own methods of arriving at receiving credit data and calculating your credit score.每一个单位利用自身信用方式到达接收数据和计算您的信用积分. Attention should be paid to each one of these companies, as you do not know which company a potential lender is using.要重视每一次的公司你可能不知道哪些公司用贷款. If you have checked out two of the companies and company three has errors and the lender is using company three, it could cost you your chance of getting the loan or credit card.如果你有两间公司,清查出有错误和三个公司正在使用公司贷款三是失机率贷款或信用卡.
A credit report score can go up to 900, and an increase of 50 points is big.信用报告评分可增加至900,增加了50点,是大. It could enable borrowers to get loans that had previously been denied, and/or getting those loans at much better interest rates.它可以使借款人获得贷款,曾否认和/或获得更好的贷款利率. Do you realize a 1% drop in the interest rate can make a big difference in how much you end up paying on a loan.你看到了1%的利率下降可以相去多少你完付出了贷款. For instance, a $150,000 house may see the monthly payment drop by over $100.例如,15万元的房子,可每月下降了100元. This could save the borrower over $35,000 over the life of a 30 year loan.这可以节省借款超过35,00030年摊还贷款.
Looking at the report综观报告 Information included on the credit report:列入信用信息报告: 1.1. Personal information.个人信息. A. Name甲姓名 B. Current and recent addresses二、当前最近地址 C. Social Security NumberC.社会保障人数 D. Date of birth丁出生日期 E. Current and previous employers目前和以往雇主e.
2.2. Credit history信用历史 Most of your credit report contains the details about credit accounts that were/are opened in you name or list you as an authorized user(such as a spouse's credit card).你最信用帐户信用报告,详细了解了/你是在打开你的名字或清单作为授权用户(如配偶的信用卡).
The details supplied include:供应细节包括: A. Date the account was opened甲帐户开通日期 B. The credit limit or amount of the loan乙信贷额或贷款款项 C. Payment terms丙付款条件 D. Current balance丁目前余额 E. History, this shows if you have been paying on time or note.历史,这说明你已经付出或不按时
Closed or inactive accounts, depending on the manner in which they were paid, stay on your report for up to 11 years from the date of their last activity.关闭或户口,视其所收,留下你的报告长达11年起他们最后的活动.
3.3. Inquiries.询问. Credit reporting agencies record an inquiry anytime your credit report is shown to another party.信用报告机构信用纪录调查报告表明您随时到另一个党. Included in list are:列入名单如下: A. Lenders甲放款 B. Service providers乙服务提供商 C. Landlords丙房东 D. Insurers四保险
Inquiries remain on your credit report for up to two years.留在你的信用调查报告,以两年为限.
4.4. Public records档案 Matters of public record obtained from government sources such as courts of law including:从政府公共记录事项等污染源法院法包括: A. Liens答:留置权 B. Bankruptcies乙破产 C. Overdue child support逾期丙抚养
Most public record information will remain on your credit report for 7 years.大多数市民仍对你的信用记录资料报告7年. Tax liens can remain on your report for up to 15 years, and bankruptcies for up to 10 years.税务留置权可以留在你的报告长达15年、10年,最长的破产.
Things not included on your credit rerort对你的东西没有列入信用不全 1.1. Checking or savings accounts检查或储蓄帐户 2.2. Bankruptcies that are more than 10 years old破产,10岁以上 3.3. Charged-off or debts placed for collection that are more than seven years old落客或债务放入收藏有超过700岁 4.4. Gender两性 5.5. Ethnicity种族 6.6. Religion宗教 7.7. Political affiliation政党 8.8. Medical history病历 9.9. Criminal records刑事纪录 10.10. Your credit score您的信用评分
Your credit score is generated by information on your credit report, but is not part of the report itself.信用评分是由你对你的信用信息报告,但报告本身并不属于.
Who Can Look at Your Credit Report?谁能看看你的信用报告? Anyone with what is considered a permissible purpose can take a look at your report.何谓允许任何用途可看看你的报告. These include:这些措施包括: 1.1. Potential lenders有意贷款 2.2. Landlords房东 3.3. Insurance companies保险公司 4.4. Employers and potential employers (usually only with your written consent)雇主和潜在雇主(通常只有在你们的书面同意) 5.5. Companies you allow to monitor your account for signs of identity theft你让你的公司占监测迹象身份盗窃 6.6. Some groups considering your application for a government license or benefit考虑到一些团体申请政府许可或者你受益 7.7. A state or local child support enforcement agency一个国家或地方儿童抚养执行机构 8.8. Any government agency (although they may be allowed to view only certain portions)任何政府机关(尽管它们可能只允许某些部分观点) 9.9. Someone who uses your credit report to provide a product or service you have requested有人用你的信用报告,提供你要求的产品或服务 10.10. Someone that has your written authorization to obtain your credit report有人说,你有你的书面授权取得信用报告
Go out and get your hands on your report and look through it and make sure everything is correct...Because Money Matters出去拉你手你就去翻它的报告和立卷因为钱::一切都正确事项
