Re: What's in a credit report
Basically everything you ever want to do will be in your credit report.
Want to open a savings account? They'll check but won't report unless you go bad on it.
Want insurance? They check and report if you owe them money.
Electric? They check.
It isn't just credit card and loan companies any more.
Pay close attention to your credit report. Especially the part that has old jobs (yes they are listed) and old addresses. My hubby was a victim a few years ago of fraud. It was a family member that used his credit (and address) for things from mail in catalogs.
We had a tough time because the stuff was actually shipped to his address. It was before I moved in with him and his aunt would sometimes stay with him. She destroyed his credit. It took us months to get it straightened out.
You should always check your credit report at least once a year. My mom had someone with the exact same name and birthday (but using her own ss#) some of her stuff was on my moms credit report.
If you are a jr or sr be especially careful... my hubby is also a jr and his father's things are listed on his sometimes. Even if the credit is bad... it can make you look like you have already borrowed too much (being overextended)
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