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Chapter 7

  • To Your Credit
  • You Will Know
  • What is in a Credit Report
  • Definitions
  • Negative Credit Report Information
  • Obtaining Your Credit Report
  • Obtaining Your Credit Report (continued)
  • Sample Credit Report
  • Credit Report Comparison
  • Sample Dispute Letter
  • Identity Theft Resources
  • True Statements about Credit Repair
  • Reminder Free Credit Report
  • In Conclusion


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    Credit Report Comparison






    Sample Credit Report - #1
    Company
    Name
    Acct.
    Number
    Whose
    Acct.
    Date
    Opened
    Last
    Activity
    Type of
    Acct. &
    Status
    High
    Credit
    Terms Balance Past
    Due
    Date
    Reported
    Your VISA 1234 1 5/90 12/00 Revolving
    -Pays as
    agreed
    5000 10 500 0 1/01


    Sample Credit Report - #2
    Item
    1
    Account Name
    Your VISA
    PO Box 12345
    Wilmington, DE 11111
    Description
    This revolving loan was
    opened 5/90 and has
    unspecified repayment
    terms. You have
    contractual responsibility
    for this account and are
    primarily responsible for its
    payment.
    Status
    As of 1/01, this
    account is
    current and all
    payments have
    been made on
    time.


    Sample Credit Report - #3
    Your VISA - #1234 Revolving Account
    Updated 1/2001 Balance $500 Credit Card
    Opened 5/1990 Most Owed $5000 Individual Account
    Status as of 1/2001: Paid or paying as agreed Pay Terms: Min $10
    In prior 24 months from last update, never late Credit Limit: $5000