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June 25, 2001
By
Mindy Gratwicke
Website:
http://www.1st-choice-credit-cards.com
>
Looking for an instant online personal credit report?
You can receive an instant online personal credit report in as little as 30 seconds. What is a credit report? A credit report is a factual record of your credit payment history. It's provided to companies and individuals by credit bureaus for purposes permitted by law, usually to grant you credit. The main purpose of a credit report is to help a credit grantor decide in whether to grant you credit based upon your credit payment history. An instant online personal credit report is a report generated from your credit file, which is a database maintained by a credit bureau containing your credit history.
What you receive on your instant online personal credit report is a copy of the information in your credit file. This is obtained directly from the companies you have credit with, as well as from government agencies such as the legal court systems. When you apply for any type of credit or financing, a credit report is generally obtained which contains information from at least one of the three major credit bureaus (Experian - formerly TRW, Equifax and Trans Union). However, these are not the only credit bureaus. There are hundreds of smaller credit bureaus around North America, but most credit grantors will look at information from one of the three major credit bureaus.
What kind of information appears on your instant online credit report? Well, you credit report consists of identifying information, merchant trade lines or credit lines, collection accounts, court records, and inquires which have been made on your credit report. It is very important for you to ensure that all the information located on your credit report is accurate. It could make the difference in whether you get approved or denied well applying for a credit card, or loan.
For
more information on instant online personal credit report - click here!
> About The Author:Mindy Gratwicke is a successful author and the
publisher of http://www.1st-choice-credit-cards.com. A one-stop resource on on-line credit reports, credit rating, and report repair. *Webmasters,
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