The Most Common Problems with Credit Reports最常见的问题,信用报告

Reviewing your credit report annually is recommended.您的信用报告,建议每年检讨. This can help you to spot and fix errors on your credit report before they cause you costly problems.这可以帮你当场修理失误造成你信用报告,然后你昂贵的问题.

Credit reports are not perfect - in fact they frequently contain errors!信用报告并不完美--事实上往往含有错误! However, regularly checking your credit report for mistakes and correcting them early will help you head off problems with obtaining credit when you need it most.定期检查你的信用报告错误,可以帮助你及早改过头骗取贷款问题当你最需要的.

Equifax, Experian and Trans Union are the three major credit reporting agencies.Equifax,experian及泛联盟三大信用报告机构. Individuals are entitled to one free report from each of these agencies per year.个人有权自由报道上述每一个机构,每一年. Taking advantage of this right and reviewing credit reports periodically is beneficial because it enables individuals to notice mistakes early before the mistakes can negatively affect their plans to purchase a car or home.利用这种权利,定期检讨信用报告个人都有利,因为它使早期发现错误差错的负面影响之前他们计划购买一辆汽车或家.

In reviewing a credit report, it is important to carefully read through all of the information on the report.检阅信用报告,重要的是要仔细看完所有的资料报告. Mistakes can appear anywhere on the report but there are some common errors.各地出现差错报告,但也存在一些常见的错误. Paying particular attention to the areas where mistakes are commonly made will make the mistakes easier to spot.特别要注意的地方作了错误通常会使错误容易发觉. Some of the common problems with credit reports are:一些共同的问题,信用报告:

• Showing a balance for a loan paid in full作为贷款余额呈现全数
• Incorrect collections accounts错账收藏
• Completely false information完全虚假信息
• Information showing residency in a state where the individual has never lived资料显示,居住在该州居住的个人从未

One common error found on credit reports is showing a remaining balance on a loan that has been completely paid in full.发现一个共同的错误信用报告呈现于贷款余额已完全支付照准. This error often occurs when one or more of the credit reporting agencies does not have the most updated information the loan.这个错误发生时,往往一个或一个以上的信用报告机构没有最新信息贷款. In many cases the lender can assist in rectifying these errors.在许多情况下,这些贷款可以协助整顿错误.

Another common error found on credit reports is incorrect information on collection accounts.另一个常见错误是不正确的报导,发现信用资料收集帐户. Individuals should be aware of any of their debts being turned over to a collections agent.个人应知悉任何债务,被代理人交给了收藏. These errors can be extremely difficult to correct.这些失误是很难正确. Catching it early, however, can greatly improve the chances of having the error fixed by the credit reporting agency.钓早,不过,有机会可以大大提高了信用报告的误差固定处. If the account was turned over to collections and was subsequently brought into arrears the collections agency can assist in fixing these problems.若帐户被收藏,后来交给带进拖欠的收藏机构可以协助安装这些问题.

Sometimes credit reports show completely false information.有时完全虚假信用报告显示的信息. Individuals who find erroneous information on their credit report should contact the reporting agency immediately.个人信用报告发现错误信息,应立即联络机构举报. This includes information such as the wrong name and address and an unfamiliar credit history.这包括了错误的数据,例如姓名、地址、信用历史陌生. The credit report may have inadvertently been mixed up with another person and the agency may be able to find the source of the error.信用报告可能无意中被混淆了另一个人,处可找到误差来源.

Finally, information on a credit report indicating residency where the individual has never lived can be a serious problem.最后,关于信用报告,说明那里的居民可以个人从未住一个严重问题. This may potentially be a case of identity theft.这可能是一个潜在的身份盗窃案件. Fighting identity theft can be an uphill battle but it should be reported immediately to begin the process of fixing this error.身份盗窃可打一场但应立即报开始安装过程特此更正.