What Information Is Not On Your Credit Report?
Everyone knows basically what is included in a credit report: credit cards, mortgages, bank loans, etc. But do you know what is not included in a credit report?
If not, read on to learn what information an identity thief cannot get from your credit report.
Who Can Request a Copy of Your Credit Report?
Your credit report is a critical part of your personal identity. It documents your financial relationship with creditors and can have a major impact on your ability to get loans in the future as well as many other decisions affecting your life.
So who is allowed to see your credit report? Let’s take a look.
Placing Fraud Alerts for Active Duty Military Personnel
Active duty military personnel fall under a special category when it comes to placing fraud alerts on their credit reports. Because the the nature of active military service, they are given certain special privileges reflecting their separation from normal daily life.
Place Fraud Alerts on Your Credit Reports
One way to help stop identity thieves from ruining your credit is to put fraud alerts on your credit reports at the three credit reporting agencies. A fraud alert will put one more obstacle between the thief and your good credit history.
There are two types of fraud alerts you can place on your credit report. They are initial alerts and extended alerts. There are conditions that must be met to place each type of fraud alert on your credit reports at the various credit reporting agencies. The details are below.
5 Examples of Identity Theft
Identity theft is a many sided problem. It covers activities ranging from stolen credit cards all the way up to a person living a shadow life as you. Keep reading to learn about 5 of the more common examples of identity theft. Read more