Value Your Credit Report
Your Credit History and Credit Report
Your credit history, obtained through your credit report, is a record of how you have paid money that you owed. Your credit history will be negatively affected by late payments, too much open credit, too much debt, too many credit checks, collections or judgments against you, and of course, bankruptcies. To lenders, your recent payment history is the most important aspect of your credit report.
Experian (formerly TRW): 888-397-3742
TransUnion: 800-916-8800
If your credit report does contain inaccurate information, the credit bureau is required to investigate items that you dispute. Those companies furnishing inaccurate information to the credit bureaus must also reinvestigate items that you dispute. If you still dispute the credit bureau's account after a reinvestigation, you can include a note in your credit report that disputes the payment. (Another type of note that you can include in your credit report can explain why you were delinquent in paying past bills.)
