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  • 			    Helping you to create a brighter future is what we do best!

    Helping you to create a brighter future is what we do best!

  • 			    Whatever type of home loan you need...We're here to find the right fit for your situation.

    Whatever type of home loan you need...We're here to find the right fit for your situation.

  • 			    With over 25 years in the industry, you can trust us to answer all of your questions and walk you through the loan process.

    With over 25 years in the industry, you can trust us to answer all of your questions and walk you through the loan process.

What type of information do credit bureaus collect and sell?

Credit bureaus collect and sell four basic types of information:

Identification and employment information
Your name, birth date, Social Security number, employer, and spouse's name are routinely noted. The CRA also may provide information about your employment history, home ownership, income, and previous address, if a creditor requests this type of information.

Payment history
Your accounts with different creditors are listed, showing how much credit has been extended and whether you've paid on time. Related events, such as referral of an overdue account to a collection agency, may also be noted.

Inquiries
CRAs must maintain a record of all creditors who have asked for your credit history within the past year, and a record of those persons or businesses requesting your credit history for employment purposes for the past two years.

Public record information
Events that are a matter of public record, such as bankruptcies, foreclosures, or tax liens, may appear in your report.

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