Consumer Credit Report

Consumer credit report is a document, which contains the actual record of an individual’s credit payment history. Consumer credit report provides lenders with the information to ascertain borrower’s creditworthiness. The report normally includes information about the borrower’s personal identification details and summary of his credit history.
Consumer credit report enables lenders to know about how frequently one is repaying his loans. This will help the lenders to determine whether the borrower is a good credit risk or a bad credit risk.Lenders normally report consumer credit payment information to the credit bureaus.

Generally, the Credit Bureaus (alternatively called as Credit Reporting Agencies or CRAs) accumulate relevant information from the lenders, merchants or landlords. Three such leading Credit Bureaus include Equifax, Trans Union and Experian.

Consumer Credit Report
Consumer credit report is a secret copy of one’s credit history. One needs to verify his consumer credit report to clear the following information:

Correction of discrepancies

One should immediately inform the credit bureau if he finds any discrepancies in his consumer credit report. Discrepancies can be related to late payments, payments not credited, or any inaccurate information.

Payments history

One will be able to know about nonpayment of his debt. In that case, he should contact his creditor to adjust the matter.

Identity Theft

Identity theft is the crime of obtaining the personal or financial information of another person for the sole purpose of assuming that person’s name or identity in order to make transactions, purchases, open new accounts, or divert the card statements to another address. Identity theft can pose a threat to one’s ability to obtain further credit.


Lenders normally place an inquiry on one’s consumer credit report. Inquiries are often taken in a negative way by the creditors. Too many inquiries can restrain one to get further loan from the lenders.

Credit Fraudulence

Credit fraudulence implies the theft of one’s credit card or account number with the intention to make unauthorized charges to his account.

Prominent features of Consumer Credit Report

Some of the prominent features of consumer credit report include:
Personal Identification Information: Person’s name, present address and contact information, Social Security Number, Date of Birth, Current and previous employers
Credit Information: Name of the Bank, retailers, credit card issuers or any other lenders
Public Record Information: Bankruptcies, tax liens and monetary judgments


More Information Related to Credit Report
Credit Rating Agency Business Credit Report Credit Rating Report
Credit Laws CIC Credit Report Credit Rating Criteria
Use of Credit Report Credit Report Company Credit Repair Report
Annual Credit Report Consumer Credit Report Credit Review Report
Credit Bureau Report Debt Settlement Credit Report Rights
Free Credit Report Instant Credit Report Credit Report Services
Mortgage Agency National Credit Report Tenant Credit Report
Online Credit Report Personal Credit Report


This website is up for sale at $20,000.00. Please contact 9811053538 for further details.