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CREDIT
REPORT BASICS
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| Credit
report information |
| Details
about your financial behavior
and identification information
are contained in your
personal credit report
(click here
for a free copy of your
credit report). This consumer-friendly
report is sometimes called
a credit file or a credit
history. A copy of your
credit report makes it
easy for you to understand
the information a lender
would be seeing if they
review your credit history.
The typical consumer credit
report includes four types
of information. |
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| By law,
credit bureaus cannot
disclose certain medical
information (relating
to physical, mental, or
behavioral health or condition).
Although such information
is not generally collected,
it could appear in the
name of a data furnisher
(i.e., "Cancer Center").
If so, those names display
in your report, but in
reports to others they
display only as medical
payment data. Consumer
statements included on
your report at your request
that contain medical information
are disclosed to others.
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| Public
record information
in some states may also
include overdue child
support. Bankruptcy information
can remain on your credit
report up to 10 years;
unpaid tax liens can remain
for up to 15 years; other
public record information
can remain up to seven
years. |
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| Credit
information includes
specific account information,
such as the date opened,
credit limit or loan amount,
balance and monthly payment
and payment pattern. The
report also states whether
anyone besides you (a
joint account holder or
cosigner, for example)
is responsible for paying
the account. Active positive
credit information may
remain on your report
indefinitely, while most
negative information remains
up to seven years. |
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| Requests
by others to view your
credit history
will show you who has
received information from
your credit report and
who was given your name
during the recent past,
as allowed by law. According
to the Fair Credit Reporting
Act, credit grantors with
a permissible purpose
may inquire about your
credit information without
your prior consent. This
section includes the date
of the inquiry and how
long the inquiry will
remain on your report. |
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| On your
personal credit report
ordered directly from
a credit bureau like Experian,
information about those
who inquired for the purposes
of extending a pre-approved
credit offer may be included
for your information.
These inquiries are not
revealed to creditors
and do not impact your
ability to obtain credit. |
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| Personal
information can
include your name, current
and previous addresses,
telephone number, reported
variations of your Social
Security number, date
of birth and current and
previous employers. |
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| Your credit
report should not contain
- and the major credit
bureaus do not collect
- data about race, religious
preference, medical history,
personal lifestyle, political
preference, friends, criminal
record or any other information
unrelated to credit. Nor
is there information about
your checking or savings
accounts. |
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This
information is provided as a
general educational tool and
Crown Jewelers makes no representation
as to accuracy or it's relevance
to your particular situation. |
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::
Shop with Confidence
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Risk-Free Shopping
All purchases at Crown Jewelers are totally risk-free.
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Secure
Shopping
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30
Day Money Back Guarantee
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Diamond
Certificate with purchase of diamond product of $300 or more
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Free Gift Box
with every purchase
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Trusted By Many
Crown Jewelers has been in business Since 1988, thousands of customers
have found Crown Jewelers to be their online jeweler of choice.
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