Most people focus exclusively on the negative trade lines reporting on their credit file.
The following is some other important data that should be considered as well, courtesy of MSN:
- Are your employer and your job title listed? If you've had the job less than two years, your previous employer and job title should be listed as well.
- Is your address listed and correct? If you've been there less than two years, is your previous address listed as well?
- Is your Social Security number listed and correct? This is the way most lenders will identify you.
- Is your telephone number listed and correct? Many lenders may not extend credit if they can't call you to verify information.
- Does your report include all the accounts you've paid on time? Some lenders don't report regularly to credit agencies, and some report to only one or two, rather than all three. You can ask the creditor to report the account to an agency that doesn't list it. If the creditor refuses or doesn't respond, you can send a letter to the agency with a copy of your latest statement and canceled checks to prove you've been paying on time.
Tim J Thrift
1-248-830-4832
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