Credit bureaus collect and sell four basic types of information:
Identification and employment information
Your name, birth date, Social Security number, employer, and spouse's name are routinely noted. The CRA also may provide information about your employment history, home ownership, income, and previous address, if a creditor requests this type of information.
Payment history
Your accounts with different creditors are listed, showing how much credit has been extended and whether you've paid on time. Related events, such as referral of an overdue account to a collection agency, may also be noted.
Inquiries
CRAs must maintain a record of all creditors who have asked for your credit history within the past year, and a record of those persons or businesses requesting your credit history for employment purposes for the past two years.
Public record information
Events that are a matter of public record, such as bankruptcies, foreclosures, or tax liens, may appear in your report.
We've been helping customers achieve ownership and afford the real estate of their dreams since 1990 and we love what we do.
Company NMLS: 1942
Individual NMLS: 303544
CA DRE: 00987187
UAMCO DRE: 01154 798
www.nmlsconsumeraccess.org
5511 Mission Street
San Francisco, CA 94112
Phone: (415) 260-9376
smhloans007@gmail.com
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