It really is kind of scary to realize that strangers can pull your credit report and thus access your credit history – and that they use it to create a picture of your life.
All they need is your social security number – and that isn’t hard to get any more,gafas Polo Ralph Lauren.
From that they can determine many things to some degree of accuracy,gafas ray ban 2013.
For instance,gafas carrera, they’ll see how many different addresses you’ve used over the past 7 years,gafas ray ban hombre, how many new accounts you’ve opened,Related articles:
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The top portion of a credit report includes names,polo ralph lauren niños, nicknames,ray ban españa, old and current addresses,gafas carrera, Social Security number,Related articles:
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Thus, a prospective employer looking at your credit report will see if you’ve been job-hopping,gafas carrera imitacion. That’s something you’d rather they didn’t know,chanel online, because it will definitely hurt your chances of being hired,gafas sol ray ban. He or she will also see if you move from city to city with regularity – and if you do,gafas oakley, will weigh the odds of you leaving after they invest the time to train you in a new position,oakley outelt.
They’ll know if you pay your income tax on time,chanel España, because the report will show any tax liens,Polo Ralph Lauren, along with bankruptcies and judgments,gafas carrera españa.
They’ll even know if you’ve changed spouses,gafas sol carrera, because your credit report shows who shared responsibility for each debt,gafas ray ban hombre.
Looking at your financial life gives people an impression of you,Gafas ray ban, and of how you conduct your life in general,chanel España. Of course that’s nobody’s business – but it’s a fact,Lentes ray ban.
Strangely enough, the Big Three credit bureaus don’t always have the same information,gafas carrera hombre, because they compile their data independently of each other,Get Your Free Credit Report – Find Out What Everyone Else Knows About You,oakley gafas. That’s one reason why it’s important for you to obtain a credit report that shows the findings from Experian,ray ban españa, Equifax,gafas sol carrera, and Trans Union,oakley gafas.
Usually, when a lender pulls your credit report he or she will find that the big Three have each assigned a different score – sometimes as much as 40 points apart,bolsos chanel. Some lenders will act based on the middle score,oakley españa, while others will go with the lowest score,gafas ray ban graduadas.
Because of this discrepancy, it’s in your best interests to know what information each credit bureau has – and is sending out in response to inquiries. (Remember,gafas carrera polarizadas, if you find an error on your credit report,Polo Ralph Lauren, you need to notify each of these credit bureaus,gafas chanel online, not just one,Lentes ray ban.)
Conversely,gafas sol ray ban, if you’ve been a victim of identity fraud, you can contact one and it will notify the others,gafas carrera baratas.
Get your free credit report today – see if the world has an accurate picture of who you really are,Get Your Free Credit Report – Find Out What Everyone Else Knows About You,oakley españa.