A report to a prospective lender on the credit standing of a prospective borrower, used to aid in the determination of creditworthiness.
A credit report shows a personâ€(tm)s history of repaying debts.
A report from a credit bureau on the financial condition of a borrower.
A credit report is a record of all of the information that credit bureaus have collected about the way you've managed your finances over the last 7-10 years. It is the official record of how you pay money owed to your creditors. It includes the names of companies that have lent you money, your current account balances, and the timeliness of your payments. The information on your report can either qualify or disqualify you from obtaining credit cards, mortgages, loans, car or apartment leases, and possibly employment.
A report of the consumer's credit/financial portfolio, providing verification of name, address history (past 7 years in which they applied for credit), employer information, social security number Trace (including "Hawk-Alert" and "Trans-Alert"), and all trade account details. (Verified Credentials, Inc. Menu of Services)
a report that shows the lender the credit history of the buyer. It is usually prepared by a large credit reporting company. The credit report shows if the buyer has any delinquent payments, bankruptcies, foreclosures, or hasn't paid a loan.
A report derived from a credit reporting agency which publishes an individual's credit payment history, public records, including liens and judgments, and credit score.
A detailed report of an individuals credit, employment and residence history prepared by a credit bureau. Used by lenders to determine credit worthiness of individuals.
A report that shows how well people pay their debts. It shows if they have gotten behind on their debts or if they have paid them on time.
A record of a persons or company's credit history and are kept by credit bureaus. This is a record used in determining credit worthiness.
A document that list your credit history created and updated using information from Banks, Retailers and other sources, i.e. Courts.
A credit report is run on every signing principal on the merchant account application and is used to make approval decisions.
A report documenting the credit history and curren... more
A record of an individual's record of handling credit. Consumers have the right to view their credit reports once a year from each of the three major credit reporting agencies.
A report ordered by a lender from a credit agency to determine a borrower's credit habits.
MP] A report from a credit bureau containing detailed information bearing on creditworthiness, including the individual's credit history.
A report on an individual's credit history verified by a credit bureau and used by a lender to determine creditworthiness. Typically most lenders require a history from the 3 major bureaus (Trans Union, Equifax, and Experian). This is known as a tri-merge bureau.
A listing of an individual or company's history of repaying past loans and other liabilities.
Every application you have made for any type of financial credit or insurance of any kind is listed on your credit report. An amazing amount of detail is contained within these reports such as which methods you use to pay regular expenses (obviously excluding cash purchases), also any legal financial difficulties you may have incurred in the past. These reports are available to you or a company you request credit from for a small fee. It is a wise idea to check your credit report from time to time to be sure that nothing has been reported in error about you from a company you may or may not have had dealings with in the past.
A credit report is a detailed account of a person's credit history. It enables lenders to determine how risky it is to lend credit applicants money and aides lenders in setting interest rates
A document that comprehensively details an individual's credit payment history. Also included is information such as one's name, current and previous address and social security number.
A report that contains information about your borrowing habits and money-managing skills. Lenders use it to determine whether to approve a loan and to set the terms. A person with a good credit report is likely to get a better interest rate than someone with a poor credit report.
An assessment of an individual or a company's credit risk. These reports are composed using a variety of informational sources and are used by lenders in order to assess applicants.
This one-time fee covers the cost of the credit report, which is processed by an independent credit-reporting agency.
A report prepared by a credit reporting agency for a lender which sets forth the credit standing of a prospective borrower, and which is used in the process of determining the borrower's creditworthiness.
A report containing information about the buyer’s current and past credit obligations, payment record and data from public records (e.g. a bankruptcy filing obtained from court documents). For each account, the credit report shows the applicant’s account number, type and terms of the account, credit limit, most recent balance and most recent payment. The comments section describes the current status of the applicant’s account, including the creditor’s summary of past-due information and any legal steps that may have been taken to collect.
A document which reports the credit payment history and current status of a borrower's credit standing.
A report from a credit bureau that shows an individual's credit history for the last 7-10 years. Back to the top
It is a document about your credit history. All your past debts and their payment history are given in detail in this report.
A report, prepared and maintained by credit bureaus, that contains information about a borrower's credit history and status. A credit report will usually show over the past seven years past loans, credit cards, and payment patterns, and will include notice of any collections. A lender or servicer will use a credit report to evaluate a loan applicant's credit worthiness.
A credit report lists all of your credit accounts, such as charge cards, and provides detail on payment history. Lenders use this information in determining eligibility for loans.
File maintained by credit bureaus showing all of a consumers credit accounts, public records, and payment history.
A report reflecting a person's payment history on credit accounts. A credit report lists a borrower's employment information, creditors, balances owed, monthly payments, payment history and public records such as bankruptcies, foreclosures and judgments. There are three primary credit repositories: Experian, TransUnion and Equifax.
A report of an individual's credit history prepared by a Credit Bureau and used by a lender in the loan approval process.
(Same) A report of an individualâ€(tm)s credit history prepared by a credit bureau and used by the lender in determining an applicantâ€(tm)s credit worthiness.
If the payor owes $2,000.00 or more in maintenance, we may report the payor to a credit reporting agency (also known as a credit bureau). Once it receives a credit report, the credit reporting agency will inform potential credit grantors – and anyone else authorized to ask about the payor's credit history – of the amount the payor owes in arrears.
A search through your existing credit history by a qualified credit bureau to determine if, and the number of times, you may have been delinquent making monthly payments on previous debts. Even when a credit report is for the most part positive, many lenders require written explanation for any negative comments within the credit report. This type of report is usually required to obtain a mortgage loan.
A report run by an independent credit agency which verifies certain information concerning an applicant's credit history.
A report provided by credit bureaus containing information about a borrower's credit history. Your credit report is like a report card of how you've paid your credit card debt and other loans over the years (as well as how much debt you currently have).
A report usually conducted by lenders on the credit history of the borrower. Credit reports are prepared by authorised credit reporting agencies, such as Baycorp Pty Ltd (formerly Credit Reference Association of Australia or CRAA). Lenders must get the borrower’s permission in writing before obtaining a credit report.
A report explaining a borrower's credit history and current debt payment obligation.
A report of an individual's past ability to pay installment payments, Used by the lender to determine credit worthiness.
A compilation of your credit transactions, such as loan and credit card payments or defaults, and your current debt load. A credit report is designed to indicate your creditworthiness to a potential lender.
A report compiled by a credit referencing agency which outlines an individuals credit history. This report can be obtained by an individual who wishes to find out their credit history. The two main agencies that lenders use are [Experian] (link to www.experian.co.uk) and [Equifax] (link to www.equifax.co.uk).
A report that a prospective lender or employer obtains from a consumer reporting agency that displays the manner in which a consumer has met his or her past credit obligations. It is used to help determine creditworthiness of the potential borrower. More
A report issued by a credit bureau to a lender that shows if a borrower is a good credit risk.
A report of your credit history. The mortgage lender orders this report from a credit reporting agency when you apply for a loan.
A document which shows the history of a borrower's debt repayment. It may also list employment information and home addresses.
Assessed by the Lender for a required credit report from the credit bureau.
A report of a person's credit history issued by one of three national credit bureaus. The report mentions any delinquent payments, or any failures to pay, as well as bankruptcies and foreclosures. Lenders use such reports to determine the credit-worthiness of a borrower.
A report completed by a Consumer Reporting Agency for the purpose of evaluating a potential borrower's credit history and current credit standing.
A report required by lenders to determine the credit-worthiness of the borrower.
Information collected by credit bureaus about your credit history, including where you owe money, how much you owe, your credit cards and their balances, and whether you pay your bills on time.
A report that shows your credit history and your current debts.
A report about you and your payment history gathered by a credit reporting agency in an organized manner.
Information communicated by a credit reporting agency that bears on a consumer's credit standing. Most credit reports include: consumer name, address, credit history, inquiries, collection records, and any public records such as bankruptcy filings and tax liens.
A report given by a credit-reporting agency about your credit worthiness based on your present financial condition, experience and past credit history.
A report that lists all past and present debts and records how they were repaid.
A report prepared by a consumer reporting agency and utilized by a lender to determine an applicant's credit history and current credit standing.
A report prepared by a credit reporting agency which sets out the credit history of a person. A satisfactory Credit Reference is often required by a lender before approving a loan.
A report documenting the credit activity and history of the borrower. Credit is rated from I or R1 (excellent) to I or R9 (terrible).
This is a document that details an individual's payment history on purchases where credit was used. This also includes all your addresses and social security number.
An individual's or organization's credit history prepared by a credit bureau and used by a lender to determine a loan applicant's creditworthiness
Details a borrower’s credit, including payment histories of revolving accounts (credit card) and installment accounts (car loan). Also includes public-record information (tax liens, judgments).
Report of individual credit history prepared by credit bureau or consumer reporting agency and used by lender to determine loan applicant's credit-worthiness.
Report showing your payment history. Get your free credit report here.
Used by lenders to verify a borrower’s ability to repay a mortgage loan. It lists all credit accounts, debts, and late payments reported to a credit company.
Record of current and past credit transactions that potential lenders use to help determine a person's ability to pay back debt.
A report documenting the history and current status of a borrower's credit. debt-to-income ratio The ratio, expressed as a percentage, of the borrower's total monthly obligations, (including but not limited to credit card and automobile payments, mortgage payments, and the payments to be required on the loan you're applying for) divided by his/ her or joint gross monthly income. It is used to determine the borrower's capacity to repay the mortgage and all other debts.
Directory offers many useful articles about credit history, credit report and credit score.
A report provided by a credit bureau regarding an individual's credit history, which includes payment history, current credit accounts, trade, inquiry and public records. The report also includes personal data such as address, employment and social security number.
A document from a credit bureau setting forth a credit rating and pertinent financial data concerning a person or a company and used by banks, merchants, suppliers and the like in evaluating a credit risk.
A report detailing a borrowers credit history. A few items shown are the amount of the borrowers debt, their timeliness of making payments and their credit rating.
Credit history of a person or business issued by a company in the credit reporting business, used to help determine creditworthiness.
A report giving the credit history on an individual or company: it reveals previous debt payment experience as well as other identifying data.
A report of a borrower's credit history, prepared by a credit agency, which gives a complete history of payment records.
A statement of a person's credit history.
A report documenting a borrower’s credit activity
A written report issued by a credit bureau that contains relevant information about a person's creditworthiness
This is the information that lenders rely upon to assess your credit rating / financial history.
A summary of an applicant's credit history for insurance, loans, credit, etc…, made by an independent organization that has investigated the applicants credit standing.
a detailed report of a persons or businesses credit history and current credit status, used to determine creditworthiness.
Before approval of a loan, most lenders will require a credit report on the borrower. Credit reports are prepared by authorised credit reporting agencies. The report sets out the credit history of the borrower.
A report of your credit history prepared by the credit bureau and used by a lender in determining a loan applicant's creditworthiness. There are three credit bureau's (Equifax, Trans Union, Experian) which all operate independently. Therefore, your credit report with one credit bureau could be very different from the others.
Credit reporting agencies provide potential lenders with your financial history to help them evaluate whether you are a good credit risk and the likelihood that you will default on a loan.
any written or documented oral communication of information provided by a commercial or consumer credit reporting agency dealing with the creditworthiness or financial reliability of an applicant or debtor.
A report reflecting the credit payment history of an individual. A lender will review this report is a major factor in the loan approval process and in determining the interest rate that will be charged on the loan. It is prepared by using a one or more credit bureaus records.
A report detailing a borrowers credit history including payment history on revolving accounts (e.g. credit cards) and installment accounts (e.g..car loan). A credit report also includes information found from public records including tax liens and judgments.
A report that details the credit history of a prospective borrower, which is used to help determine eligibility for a loan. A credit report usually gets a credit score from three credit report agencies and takes the middle score.
A report documenting the history of how you paid back the companies you have borrowed money from, or how you have met other financial obligations.
A report provided by an independent credit agency that contains certain information concerning an applicant's credit history.
A detailed account of the credit, employment and residence history of an individual used by a prospective lender to help determine creditworthiness. Credit reports also list any judgments, tax liens, bankruptcies or similar matters of public record entered against the individual. A fee is usually charged.
A report issued by an independent agency which demonstrates the borrower's financial character, and contains certain information concerning a mortgage applicant's credit history and credit standing. ebt Service - The total amount of monthly payments for credit card, auto, mortgage or other debt a borrower must pay.
A report of a personâ€(tm)s credit history which prepared by one of the three main credit bureaus (Experion, Trans Union, or Equifax) and used by a lender in determining a loan applicantâ€(tm)s creditworthiness.
A report generated by a credit bureau that shows an individuals credit or repayment history over time. Used by lenders to determine creditworthiness.
A report on the credit standing of a prospective borrower, used to aid in the determination of credit worthiness.
Contains information regarding a customer's payment history.
A report on a credit applicant from a credit reporting service stating creditors' experience with the applicant and frequently containing information or estimates about the applicant's assets, liabilities and character.
A credit report is a report that details the credit history of a prospective borrower of a loan. It is used by lenders to determine the borrower's creditworthiness.
A report of an individual's credit history prepared by a credit bureau and used by a lender to determine a loan applicant's credit worthiness.
a report prepared by a credit reporting agency that describes a person's credit history for the last seven years (except for bankruptcies, which are reported for 10 years). A credit report shows, for example, whether the person pays his or her bills on time, has delinquent or charged-off accounts, has been sued, and is subject to court judgments.
Credit bureaus collect information about your credit history-where you owe money, how much you owe, your credit cards, and your payment history. Lenders determine whether to give you a loan and how much to charge you based on information in your credit report.
This is a report which is generated by a credit reporting agency (such as Trans Union, Experion or Equifax). It is supposed to show accurately the history of your on-time and late payments on mortgages, credit cards, rent, utilities, and other debts. It may also show how much you owe on your various debts and whether you have taken the maximum amount of credit available to you through credit card borrowing. Your credit reports are used, with other information, to generate a credit score that is supposed to reflect how good a credit risk you are.
There are companies that keep track of whether you pay your debts and if you make payments on time. Then these companies make this information available in the form of a credit report and score. A bad credit history can haunt you for a long time – seven years or more.
A credit report is a financial document that reports detailed information about an individual's credit history.
A document provided by a credit reporting agency containing information about an individual's previous mortgage history, bank loans, credit cards, and public records dealing with financial matters.
A report requested by the lender on the credit standing of a prospective borrower. (Buyer pays for this and must sign permission for the lender to request this report).
A credit report is a summary of an individual's credit history. It shows loan payment history, late payments, existence of liens or other encumbrances, debt forgiveness, bankruptcy filings, and number of inquiries by prospective lenders.
The credit report often is a critical factor in credit scoring systems that lenders use to issue credit cards, mortgages or other loans. It is a good idea to check your credit report to know where you stand and correct any errors. If you've made mistakes in paying previous loans, bounced checks, made late payments or had other problems, you may be able to correct them -- or at least reduce the amount of damage they will do to your credit. If someone else has made a mistake that ended up on your credit, you want to get it removed. To make certain your credit reports are accurate, it is a good idea to check with the three major national credit bureaus: Equifax, Experian (formerly TRW) and Trans Union.
A report detailing a consumers credit history including payment history on revolving and installment accounts. A credit report may also include information found from public records such as judgments, tax liens, and bankruptcies.
A report indicating a consumer's credit history and/or standing. It includes debt and payment information such as the consumer's credit cards and loans.
Report listing borrower's consumer credit use, including past and current debts, payment ratings and terms.
A report detailing the credit history of a prospective borrower, used by lenders to help determine creditworthiness.
An account of an individual's credit history that is prepared by a credit bureau and used by a lender to determine a loan applicant's creditworthiness.
The main basis for a lender to determine your "credit worthiness." A historical list of your credit use and bill payment performance.
A record that documents an individual's credit history, and lists all past and present debts and the timeliness of their repayment.
A report by a credit reporting agency used by Lenders to determine the credit-worthiness of an applicant.
A report of an individual's credit history prepared by a credit bureau and used by a lender in determining a loan applicant's creditworthiness.
A detailed report that outlines a person's credit history. It includes all history of their credit accounts, late payments, loans, bankruptcies, and any recent inquiries.
A report furnished by independent credit agencies summarizing a consumer's credit history.
This is record of your credit history. It shows whether you pay your bills on time, how much debt you have, etc. Your report is compiled by credit bureaus and released to lenders and others.
Report provided by the credit bureaus which shows the history, current status, and profile of an individual
A report detailing an individual's credit history that is prepared by a credit bureau and used by a lender to determine a loan applicant's creditworthiness.
A report ordered from a credit bureau that indicates if a borrower is a good credit risk.
Detailing the credit history of a consumer, this report is used to help determine the consumer's credit worthiness.
Historical report on the type, amount, frequency, and repayment of credit used by consumers and businesses. Under the FACT Act amendments to the Fair Credit Reporting Act, consumers are entitled to see one free copy of their credit report in a 12-month period.
A document that lists your credit history, created and updated using information from banks, merchants and other creditors.
A report on a person's credit history based on the information that each credit bureau has assembled on that person's finances over the last 7-10 years.
A record of an individual's current and past debt repayment patterns. A credit history helps a lender to determine whether a borrower has a history of repaying debts in a timely manner. For our comparison purposes, the credit report fee is considered to be a third party fee.
A record or file used by a prospective lender or employer that chronicles the credit standing of a prospective borrower. It is used to help determine creditworthiness of the potential borrower.
credit report reports about an individual's payment history that is supplied by a Credit Bureau.
A report documenting the credit history and current status of a borrower's credit standing.
A consumer credit report is any communication, written, verbal or otherwise, that provides information for the purpose of determining an individual's credit status.
A report put together by one of the three independent credit agencies that shows your credit history. You can get copies of your credit report by contacting the three agencies: Experian (800-997-2493), Equifax (888-397-3742) and Trans Union (800-888-4213).
A report from an independent source outlining the credit history of an individual, including current and previous debts, payment amounts, late payments and past due amounts, defaults, and other related information on every credit source the individual has used.
Credit Reference Agencies, as a result of a credit check, can produce a report which details the credit history of an individual. It forms the basis of the lenders assessment of the applications of prospective borrowers.
The form in which a credit reporting agency provides information contained in your credit file. Most credit reports contain a summary of your credit history plus identifying information and notations of legal judgments and public records. For more information see the Credit Center section.
A report of an individual's credit history prepared by a credit bureau, and used by a lender in determining a loan applicants credit worthiness.
A report that details someone's history of payments and borrowing habits on previous debts.
A credit report is a compilation of information regarding a consumer's credit. The credit report is often a critical factor in credit scoring systems that lenders use to issue low interest credit cards, home equity mortgages or other loans.
A report detailing an individual's credit history. J-K U-Z
A full listing of debts and credit that tracks on a loan applicant's willingness and ability to make payments in a timely manner in the past. This report is provided to the bank by an outside agency.
A document used by the credit industry to examine an individual's use of credit. It provides information on money that individuals have borrowed from credit institutions and a history of payments.
A report of an individual's credit history prepared by a credit bureau for specific use by a lender in determining a loan applicant's credit worthiness.
A file of financial information used to evaluate a person's history of debt repayment. Also called a Credit Profile or Credit File.
A report prepared by a consumer reporting agency that summarizes an individual's credit history.
A record of an individual that lists all past and present debts and the timeliness of their repayment. A credit score is calculated and reported on the credit report.
This is a report that tells a lender how well you've handled credit in the past. A good credit report makes the process easier. A spotty report means you may be a higher risk.
A summary of the credit usage of a consumer, including payment histories and current status of all credit accounts. This plays a very large part in the decision to grant credit to a consumer.
A report carried out by a credit reporting agency and used by the lender to determine whether an applicant is eligible for credit.
A report, which verifies credit standing, based on an individual's repayment and debt history.
A report to a prospective lender of an individual's credit history prepared by a credit bureau. Information is included regarding outstanding debt, late payments, defaults, or bankruptcies.
A report provided by a credit reporting bureau that provides a detailed account of the applicant's credit history.
An account of your credit history, prepared by a credit bureau. A credit report will contain credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and any lawsuits in which you have been involved.
Your credit report is a compilation of your personal and financial data, which a credit bureau gathers and maintains.
A complete and confidential summary of your credit history including your existing debts and how well you've repaid past debts, which indicates your creditworthiness. A credit report also lists the companies that have inquired about your credit history recently, and any bankruptcies, foreclosures, and judgments you've encountered. Your credit report will also probably include current and prior addresses, current and prior employment, and other personal information such as your social security number, date of birth, and driver's license number.
A credit report is a complete and confidential summary of credit history including existing debts and how well debts have been repaid, which all indicate a consumer's creditworthiness. A credit report also lists the companies that have inquired about credit history recently, and any bankruptcies, foreclosures, and judgments encountered. Free credit reports usually include current and prior addresses, current and prior employment and other personal information such as a social security number, date of birth, and driver's license number.
A report about your credit history, which is prepared by a credit bureau.
A record of past and present spending and debt habits. A good credit history generally ensures better terms on new loans. Good credit is obtained by making full payments on any debt, and making them on time.
Your credit report is a record or file given to a prospective lender or employer showing your credit standing. Itâ€(tm)s used to help determine your creditworthiness.
It is a report of your credit history prepared by a credit bureau and used by a lender to determine your application's creditworthiness.
A report on the past ability of a loan applicant to pay installment payments.
A report of an individual's credit history used by lenders to determine credit risk. A record of an individual's repayment of debt.
A file or record which tracks credit history.
This is a report that details the history of someone’s credit. It includes all accounts that are revolving and installment accounts. Other information found in public records of the individual is also included.
A report covering an individual's credit history and current credit standing. This report is a very important measure used in the loan approval process, so maintaining a good credit rating should be a high priority for those who plan to buy a house.
A written report noting an individual's credit worthiness.
A document completed by a credit-reporting agency providing information about the buyer's credit cards, previous mortgage history, bank loans and public records dealing with financial matters.
An assessment, provided by a local retail credit association, of an individual's ability to repay debt. The two main reporting agencies in Canada are Equifax and TransUnion Credit.
A report containing a detailed credit history of an individual.
A report of an individual's credit history that is used to determine that individual's creditworthiness.
In-depth report ordered from a credit bureau reflecting personal creditworthiness.
A detailed report showing someone's credit history such as credit cards (revolving accounts) and car loans (installment accounts). Some reports will also show detailed descriptions from tax liens and judgments.
A document which includes a complete history of someone's experience with credit. Any payments that were not made on time are listed, as are any open and closed collections, judgements, tax liens, or bankruptcies. Lenders will review borrowers' credit reports to help them determine whether or not they will approve additional loans/credit.
The main report a lender uses to determine your creditworthiness. It includes information about your ability to handle your debt obligations and your current outstanding obligations.
A listing of an individual's credit history used by a lender to determine the probability of the applicant to repay debt.
A report run by an independent credit agency which verifies certain information concerning your credit standing.
A credit report is the main report that a lender uses to determine your creditworthiness. You must pay for the lender to obtain this report, which the lender uses to determine your ability to handle all forms of credit and to pay off loans in a timely fashion.
A record of an individual's payment history available at a credit bureau. Individuals can order a copy of their own report by contacting their local bureau.
The credit report is a financial document which consists of a person's credit history and also reflects his updated financial position. A credit report determines an individual's credit worthiness. An individual can acquire his credit reports from credit bureaus.
A report of borrowing and repayment history for an individual or entity. Read more...
A detailed report showing an individual's credit history, prepared by a credit bureau or consumer reporting agency. Brokers or lenders may purchase these reports to help determine a loan applicant's eligibility. Consumers/borrowers have access to their own credit reports by contacting a credit bureau and requesting one.
A report obtained from a credit bureau agency or company that discloses a borrower's credit history and current credit status.
A listing of your credit accounts and payment history.
A report that is generated by a Credit Bureau/Agency when requested by a lender that lists an individual's available credit and details their payment history to reflect on-time payments, late payments and missed payments. Liens, Bankruptcy and tax liens may be listed on this report.
Summary of a buyer's debt, borrowing and repayment history compiled by the credit-reporting agency.
This is a detailed report of an individuals’ credit history. The report is prepared by a credit bureau and used by financial lenders to establish an applicant’s creditworthiness. The report includes personal data, a summary of the individual’s credit history and detailed account information. Experian and Equifax are the main bureaux.
A factual data report from an independent agency that verifies the applicant's current employment and income, and provides information on current and previous debts and liabilities.
It's a document prepared and writen by a credit bureau that contains all your credit history. This helps when you want to make a new credit or when you need certain papers.
The list of information that a CRC compiles concerning your personal (or business) credit history. It will include personal information, open and closed credit, and balances, and payment histories.
A report from a company which specializes in keeping credit histories on people. Lenders base the decision on an applicant’s credit worthiness based on the information in a credit report. Credits reports cannot be given except with the consent of the person being reported on.
A report usually ordered by a lender from a credit bureau to help determine a borrower's credit rating.
A report containing information about a consumer's identity, credit relationships, some court actions, consumers statements, and previous inquiries into that file.
Used by lenders to determine a potential borrower's creditworthiness. Independent sources compile the report, which lists the borrower's debts, liabilities and assets.
A full listing of debts and credit. Credit reports are kept by several companies, and are ordered by a lending company when you apply for a mortgage.
A written report from a credit rating agency summarizing a person's credit history.
A record or file given to a prospective lender, landlord or employer defining the credit standing of a prospective person. It is used to help determine credit worthiness.
is a report provided by known reporting agencies such as "Experian" and "Equifax" that determines creditworthiness and ability to repay any type of debt in time. A fee is usually applies to obtain.
A report issued by an independent credit reporting agency with the loan applicant's payment history included. The three largest credit reporting agencies are Trans Union, Experian and Equifax.
A report that contains details about individual borrowing habits and money-management skills. Lenders use credit reports to determine if they should approve a loan and to set the loan's terms (interest rate, fees, and length).
A document containing financial information about a person, focusing on his or her history of paying obligations, such as a mortgage, car payment, utilities, and credit cards. Also includes current balances on outstanding debts, the individual's amount of available credit, public records such as bankruptcies, and inquiries about credit from various companies.
This is a report generated by a chosen credit bureau. The report will access the applicant's credit background and the lender will use this information to determine if this person or business is suitable when applying for a loan. A credit report can vary depending on whom the report is composed by. This credit report is not referred to in the case of a no credit check motorcycle loan.
A fee covering the cost of obtaining a credit report which reflects your credit history. The lender uses the information in a credit report to help determine whether to approve your loan and how much money to lend you.
A report to a prospective lender on the credit standing of prospective borrower or tenant. Used to help determine creditworthiness.
A report outlining an individualâ€(tm)s credit history, public records and credit worthiness.
A summary of your credit history. It is maintained by an authorized credit reporting agency and sent to potential creditors, when requested. Credit reports include information such as current and recent addresses, employer information, payment performance for seven years, type of debt you have and the lending institution for each account, available credit, and current balances.
A record or file to a prospective lender on the credit history of a prospective borrower that is used to help determine credit worthiness.
A report to a prospective lender on the credit standing of a prospective borrower, used to help determine credit worthiness.
A report that tracks an individualÕs borrowing and money-management habits. Lenders will approve or deny a loan and set its terms depending on the information found in the person's credit report.
A report to the mortgage lender on the credit standing of a prospective borrower, used to help determine whether a borrower is willing to repay debt obligations.
A report issued by one or more national credit bureaus for the purpose of aiding lenders in determining the overall credit rating of a loan applicant.
A credit bureau report that shows a loan applicant's history of payments made on previous debts. Several companies issue credit reports, but the three largest are Trans Union Corp., Equifax and Experian (formerly TRW ).
A document containing financial information about a a physical and/or legal entity, focusing on the history of payments of financial obligations, such as loans, car payments, utility bills, credit cards, etc. Also includes current balances on outstanding debts, the amount of credit still available, public records on bankruptcies, as well as statistical data on the number of inquiries.
a report that documents a borrower's credit history and current status. Borrowers can examine their own credit reports, although most credit reporting companies charge a fee to provide a report.
a report that contains details about individual borrowing habits. Lenders use credit reports to determine whether they should approve a loan and to set the terms (interest rate, fees, and length) of the loan.
is a report from a credit reporting agency issued to a lender disclosing the credit rating of and other pertinent financial information about a prospective borrower.
a credit history plus a record of whether or not the borrower paid their debts on time
A report to a prospective lender on the credit standing of a prospective borrower. Used to help determine creditworthiness. Information regarding late payments, defaults, or bankruptcies will appear here.
A report from an independent credit rating service (such as TRW or Equifax) listing all of your current obligations to various creditors, including credit card companies, car payments, student loans, etc. The report shows how much is owed, as well as whether your payments are generally on time. A credit report is a required document when applying for a home loan.
a report documenting the credit history and current status of a Borrower's monthly payment obligation on long-term debts.
A report that summarizes a consumer's credit history information. It is prepared by the Bureau based on information compiled from credit providers, and used by creditors to help determine the creditworthiness of a customer.
A summary of your credit history plus additional facts about you, including your age, address, marital status, employment history and other details that will help creditors judge your creditworthiness. A credit report includes a record of any credit card that you currently hold, held in the past, or for which you have recently applied. It also includes the credit limit and your payment history. You should request a copy of your credit report once a year to check for accuracy. If you find an error, write to the credit bureau and request that the agency research and correct the error. You cannot have accurate information, derogatory or otherwise, removed from your records for seven to ten years.
A data report from an independent agency that verifies an applicant's current employment and income and provides information on previous debts and liabilities. It is used to help determine credit-worthiness.
A report on a person's credit history prepared by a credit bureau and used by a lender in determining a loan applicant's record for paying debts in a timely manner. Back
See pamphlet about credit reports and scores.
A report of one's credit standing.
A detailed account of an individual's credit, employment and residence history. A lender uses this report to determine a loan applicant's creditworthiness.
Your credit report check is a record or file given to a prospective lender, landlord or employer, showing your financial standing and history. It's purpose is to show your creditworthiness.
A detailed report generated by credit reporting companies to show the credit worthiness and repayment history of individuals.
A report about your credit history that lenders (credit card companies, mortgage companies, loan agents, etc.) consult to determine if and how much money they should lend to you. Your history for making timely payments, any outstanding debt and open lines of credit are all shown on your credit report. Your credit report is available from credit bureaus such as Equifax, Experian and TransUnion.
A report that documents your history of repaying debt. It's the main report lenders utilize to determine your creditworthiness. You must pay for this report, which is used to determine your ability to handle all forms of credit and to pay off loans in a timely fashion. If you're a seller who's providing financing for buyers, get their permission to obtain a credit report on them.
A credit report is a summary of your financial history that potential lenders use to help them evaluate whether you are a good credit risk and the likelihood that you will default on a loan.
A credit report is ordered for every signing principal on the application, and is used by under-writers to make approval decisions. Humboldt Bank purchases Experian Reports.
Also called a Consumer Report, a factual record of an individual's credit payment history. Its main purpose is to help a lender quickly and objectively decide whether to grant a consumer credit. A credit report is used to develop a consumer's credit score, but does not contain a score.
A document used by the credit industry to examine your use of credit. It provides information on money that you've borrowed from credit institutions and your payment history.
A report detailing the credit history of a prospective borrower that's used to help determine borrower creditworthiness.
The report issued on an individual's credit by credit reporting agencies.
A report made by a private agency which states a borrower's credit history, current accounts, and account balances.
a record sent to prospective lenders, employers, and insurers that state the credit standing of a consumer.
A record of someone's credit history, including outstanding debts, debt repayments, late payments and any bankruptcies that is compiled by a credit reporting agency.
Documentation of a person's credit history prepared by a credit bureau.
Formal written evaluation of a company's or individual's credit history, generated by a credit agency.
A report detailing an individual's credit history and current status of an individual's current credit standing. These reports detail a FICO score, open and closed credit lines, and repayment history.
A report outlining an individuals credit worthiness based on credit history and public records.
Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by consumer reporting agencies (CRAs). One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance or a job. Your credit record contains information about your income, debts and credit payment history. It also indicates whether you have been sued, arrested or have filed for bankruptcy.
History of buyers past credit performance.
A record of your credit history .
Financial history supplied by a credit information company like Dun and Bradstreet, Equifax, Experian or TransUnion. Contains credit information on a business or an individual, including payment history of bank cards, store cards, mortgages, student loans, and trade payments.
A list of all your credit account, debt and late payment that have been reported to the credit company. Lenders use your credit history to help them decide whether or not they should lend you money.
A loan and bill payment history, kept by a credit bureau and used by financial institutions and other potential creditors to determine the likelihood a future debt will be repaid.
A credit report is a financial report that contains detailed information about an individual's credit history.
a summary of a consumer's recent crdit history plus additional facts about the consumer that will help creditors judge the consumer's creditworthiness.
A person's credit history as reported to credit bureaus by lenders.
a report to the lender on the credit standing of the borrower, used to help determine creditworthiness
A report detailing the credit history of a prospective borrower, used to help determine creditworthiness. Credit Risk - The possibility that the borrower may default on financial obligations to the investor.
Information of an individual's credit history and current standing reported by a credit bureau. This is used by lenders to evaluate the creditworthiness of an individual's application. ebt to Income Ratio Percentage of a (potential) borrower's fixed monthly debt verses gross income. Lender's use this ratio to determine how much can be loaned to a borrower.
If planning debt consolidation, order a credit report a week or so before completing an application. The credit report will confirm your exact debts and the companies that hold ...
A report requested by your lender that utilizes information from at least two of the three national credit bureaus and information provided on your loan application.
a record that lists all past and present debts and the timeliness of their repayment; it documents an individual's credit history.
A report provided by a commercial credit reporting company which provides details on the reputation and financial strength of an individual or corporation.
A printed report of someone's credit history, made by one of three major credit reporting agencies.
A report on an individuals historic willingness and capacity to make payments in accordance with their loan agreements in the past. This report is provided to British Mortgages Abroad by an outside credit-referencing agency.
A report issued by a credit bureau that illustrates the credit-worthiness of a potential borrower to potential lenders.
Confidential report on a consumer's payment habits as reported by their creditors to a consumer credit reporting agency. The agency provides the information to credit grantors who have a permissible purpose under the law to review the report.
A report issued by a credit service bureau detailing individual's credit history.
A report on past behavior regarding a borrower's willingness and ability to repay debt in a timely manner. This report is provided to the bank by an outside agency.
(same) A report on an individual's historic willingness and capacity to make payments in accordance with their loan agreements in the past.
Report of an individual's credit history that a credit reporting company (CRC) or credit repository prepares that you use to determine a borrower's creditworthiness.
A record of whether or not a person has paid bills on time, banks often use this to determine whether a buyer is worthy of a loan. The Fair Credit Reporting Act gives any consumer access to a summary of information in the consumer's file showing the nature, substance and sources of the information it contains, and provides a method to correct inaccurate information.
Detailed account of an individual's credit, employment and residence history used by a lender to determine a loan applicant's creditworthiness. The three largest credit bureaus are Trans Union Corp., Equifax and Experian (formerly TRW).