- HOW IT WORKS?
- Credit Score & Report
- Credit Bureaus
A credit report describes the way an individual uses credit. It basically explains whether the bills have been paid on time or not. Usually, there are many things mentioned in the credit report. But sometimes the credit report does not contain some important details.
1. Salary and Saving of an Individual:
An individual’s salary and the savings are not mentioned on the credit report. Whether there is an increase or decrease in the savings of an individual, there is no mention of it on the credit report.
2. Timely Payment of Rent:
Whether the amount of rent you are paying is increased or decreased, it is not shown in the credit report. If you are paying your rent regularly, it will not be shown on the credit report. But, if you do not pay your rent on time, you will be able to see that only if you have subscribed to some exclusive services from credit bureaus.
3. Timely Payment of Utility Bills:
Utility bills include bills like electricity bills, phone bills, mobile and internet bills. If you have been paying your utility bills on time, it will not be shown on the credit report, but if you have failed to make the payment of your utility bills for one month, then it will be shown in the credit report under the section Unpaid Collection Accounts.
4. Credit Information of Spouse:
The credit information of an individual’s spouse will not be mentioned in the credit report. In a case of a joint loan also, there is no mention of the credit information of the individual’s spouse in the credit report.
5. Non-traditional financial loans:
The loans that have not been made by a bank are called nontraditional financial loans. These are loans from private money lenders and pawn shops. Such types of loans are not mentioned in the credit report.
6. Employment Status:
The employment status of an individual is not mentioned in the credit report. Neither the employment duration, nor the type of employment is mentioned on the credit report.
7. Other Loans Interest Rates:
The interest rates that an individual has paid or is currently paying on any other loan are not mentioned on the credit report.
8. Criminal Record of Individual:
There is no mention of an individual’s criminal record on the credit report.
9. Private Medical Information:
This type of information is also not mentioned in the credit report.
10. No Revelation of Net Worth:
A credit report comprises of the details regarding the current and recent past debts and obligations of an individual. It does not include the details regarding the net worth of an individual.
How Will Creditseva Help You
Creditseva will provide you with all the details that are related to your credit report and the things you need to know about credit report. You will be given a clear picture of all the factors that affect your credit report and also about all the contents of the credit report.
Ultimately it is clear that a credit report is comprised of many things. Some things might be mentioned in detail, some might not be mentioned. Therefore a proper research has to be done in order to know if some things have been missed to be mentioned in your credit report. It is not that the things which are not present on the credit report are unimportant.
It is just that some credit bureaus consider mentioning some things of a credit report and not all. However if an individual has done proper research pertaining to the details that are to be mentioned in the credit report, then it is easy to figure out the details that should be actually mentioned in the credit report and the details that have not been mentioned in the credit report.
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