Comprehending a Credit Report理解信用报告

Article source: http://financial-shopper-network.com/ . 文章来源： http://financial-shopper-network.com/ 。 Used with author's permission. 用作者的许可。

Obtaining a credit report is an excellent way to begin taking control of your financial future.获得信用报告是一个很好的方式开始采取控制你的财政前景。 It's recommended that you review your credit report once a year, not only to be aware of your standing with creditors but to also keep abreast of errors and fraud.它建议您检阅您的信用报告一年一次，不仅要了解你的地位与债权人，但也跟上错误和欺诈行为。 However, once your report arrives you may have trouble making sense of it.然而，一旦你的报告到达您可能无法决策意义的。 How are you to read and understand a credit report?你是如何阅读和理解的信用报告？

There are three major credit reporting agencies that issue credit bureau reports; Experian, TransUnion and Equifax.有三个主要的信用报告机构这一问题的信用局报告; Experian的， TransUnion和Equifax 。 It is recommended that you obtain reports from all 3 credit report agencies as they most likely contain varying information since creditors subscribe to agencies on a purely voluntary basis.我们建议您获得的报告全部3信用报告机构，他们最有可能包含不同的信息，因为债权人订阅机构纯粹自愿的基础上。 The credit reports provided by each of the different bureaus may present somewhat differently but generally speaking the information will be broken down in much the same way.该信用报告所提供的各个不同部门，可能会略有不同，但一般来说，信息将被细分大致相同的方式。

There are four main parts to the credit report: personal profile, credit history, public records and inquires.有四个主要部分的信用报告：个人档案，信用记录，公共记录和询问。 Check each section carefully for any errors.检查每节仔细的任何错误。 Note any errors you may discover on a separate piece of paper as you read over your report.注意：任何错误您可能会发现在一个单独的一张纸上为你读了您的报告。

Personal Profile个人简介

At the top of the credit report you will find all your basic information such as your full name, current and previous addresses and employers, social security number, and date of birth.在上方的信用报告你会发现所有的基本信息，如您的全名，当前和以前的地址和雇主，社会安全号码和出生日期。 Your spouse's name may also appear if applicable.你的配偶的名字，也可能出现如适用的话。 In addition, you may notice several variations of your name listed.此外，您可能会注意到一些变化，你的名字上市。 This can occur when creditors record the information incorrectly.这可以发生在债权人记录的信息有误。 These discrepancies are usually left on your credit report.这些差异通常是留在您的信用报告。 It is important however, to ensure that your address is correct.重要的是但是，为了确保您的地址是正确的。 An incorrect address could alert you to a possible identity theft.地址不正确可能会提醒您可能身份盗窃。

Credit History信用记录

The next section is your credit history.下一节是你的信用历史。 This provides you with an itemized list of your current active, past closed accounts and their balances or arrears.这为您提供一个清单，逐项您当前活跃，过去封闭帐户及其余额或拖欠。 Listed first is the name of the creditor and your account number for each bill--sometimes the account numbers may appear partially obscured for security purposes.上市首先是名称的债权人和帐号为每个法案-有时账户号码可能会出现部分遮蔽的安全目的。 These debts could include real estate mortgages, credit cards, car loans, or medical bills.这些债务可能包括房地产抵押贷款，信用卡，汽车贷款，或医疗费。

There will be a column for identifying the nature of the account; Joint, Individual, Undesignated, Authorized User, Terminated, Maker, Co-signer or Shared.将有一栏确定性质的帐户;联合，个人，指定，授权用户，终止，壶，共同签字人或多人。 There will also be a notation of the date when the account was opened, number of months the account payment history has been reported and date of last activity.也将有符号的日期时，该帐户被打开时，数个月的账户付款历史报道和日期的最后一项活动。 The report will show your high credit limit or the maximum you are allowed to borrow, if applicable.该报告将显示您的高信用额度或最高你可以借用，如果适用。 There is a column for Terms which indicates the number of instalments or monthly payments remaining on the account.有一栏表明条款的数目或按月分期支付余下的帐户。

The next few columns will show the balance remaining on the account, any past due amounts and the status of the accounts.在未来数列会显示余额的帐户，任何过去由于数额和地位的帐户。 There are two types of accounts; instalment and revolving.有两种类型的账户;批循环。 An Instalment account means that there are fixed payments and a specific ending date, such as with a car loan.分期付款的帐户是指有固定的付款和具体的结束日期，如汽车贷款。 A revolving account is one with no fixed ending date as with credit card debts.一个循环帐户是一个没有固定的结束日期与信用卡债务。 Creditors like to see few revolving debts.债权人希望看到几个循环的债务。

The credit report will indicate the different types of accounts and also may assign it a numerical ratings system.信用报告将显示，不同类型的帐户，也可指定一个数值评级制度。 You may see such symbols as R1, R2, R3 or I1, I2, I3.The R or I indicates Revolving or Instalment and the numbers indicate the payment history of the account as follows;您可能会看到这样的符号作为R1 ， R2的R3的或I1 ，碘， I3.The R或我表明循环或批次和数字显示付款历史的帐户如下;

• 0- account hasn't been used yet 0 -帐户还没有使用

• 1- paid as agreed 1 -同意支付

• 2- 30 plus days past due 2 -3 0多天过去由于

• 3- 60 plus days past due 3 -6 0多天过去由于

• 4- 90 plus days past due 4 -9 0多天过去由于

• 5- 120 plus days past due 5 -1 20多天过去由于

• 7- Collection account or bankruptcy 7 -集合帐户或破产

• 8- Repossession or foreclosure 8 -收回或赎回

• 9- Charged off or bad debt 9 -撇帐或坏帐

The credit report will also show a record of any debts that have been turned over to a collection agency.信用报告还将显示记录的任何债务已移交给收集机构。 It will show the date the collection was reported, the name of the company handling the collections and the company or lender that the loan was originally issued with and the balance remaining on the account.它会显示的日期收集据报道，公司的名称处理集合和该公司或银行的贷款最初发出的余额的帐户。

Public Records公共记录

These are reports obtained from local, state and federal courts.这些报告从地方，州和联邦法院。 They will indicate records of bankruptcies, tax liens and monetary judgments.他们将显示记录的破产，税收优先权和货币判决。 Overdue child support records may also be shown.逾期子女抚养费的记录也可显示。 These public records will remain part of your credit history for seven to ten years and reflect negatively on your total credit score.这些公共记录将继续的一部分您的信用记录为7至10年徒刑，并反映在您的负面信贷总额评分。

Inquiry Section调查科

This section reveals any parties that have obtained a copy of your credit report over the last two years.本节显示任何一方已获得了一份您的信用报告，过去两年。 There are generally two types of inquires, hard and soft.有一般两种类型的查询，硬技术和软。 A hard inquiry is one initiated by you, whenever you apply for a loan or fill out a credit application.硬调查是由你发起的，只要你申请贷款或填写信用卡申请。 A soft inquiry comes in three forms; companies that wish to offer you promotional applications for credit, current creditors that are monitoring your account or credit bureau inquires requested by you, the consumer.柔软的调查有三种形式;公司，希望为您提供宣传信贷申请，目前债权人的监测您的帐户或信用局询问你的要求，消费者。 These soft inquires do not show up on credit reports that businesses receive, only on copies provided to you.这些软询问不会显示在信用报告，企业接受，只有在副本提供给您。 Although many lenders will view too many inquiries on your report as negative, it is important to note that two or more 'hard' inquires within a 14 day period count as just one inquiry.虽然许多放款人认为太多的调查报告为阴性，但必须指出的是，两个或两个以上的'硬'内询问了14天的期间内算作一个调查。

Credit Score信用分数

The credit report can also reveal your credit score.信贷报告也可以显示您的信用评分。 A credit rating scores is a means of calculating an individual's credit risk to determine how likely they would be to make good on a loan.信用评级是一个得分手段，计算个人的信用风险，以确定如何可能他们会取得良好的贷款。 The score is a three digit number ranging between 300 and 850.评分是3位数介于300和850 。 The higher your score, the better it reflects on you as a borrower.较高的评分，更好地体现你作为借款人。 A good credit rating score will enable you to negotiate for better interest rates.一个良好的信用评级评分将使你能够更好地进行谈判利率。

Disputes争端

What if you should find an error on your credit report?如果你应该找到一个错误您的信用报告？ Once you have discovered an error, contact the credit bureau that issued the credit report and state in writing what you found to be inaccurate.一旦你发现了一个错误，与信用局签发的信用报告，并书面说明你被发现不准确的。 You will find the contact information listed at the top of your credit report.你会发现的联络资料列在顶部的信用报告。

The credit reporting companies must reinvestigate the claim within 30 days.该信用报告公司必须重新要求在30天之内。 They will then contact the party that submitted the item and attempt to resolve the dispute as quickly as possible.然后，他们将联络当事人提交的项目，并试图解决争端尽快。 Remember, you have the right under the Fair Credit Reporting Act to dispute any inaccurate or fraudulent information that may appear on your credit report, and should do so in a timely fashion.记住，你有权根据公平信用报告法争端的任何不准确或欺诈信息，可能会出现在您的信用报告，并应当这样做及时。

Once you learn to read and understand a credit report, you are moving towards a more secure financial future.一旦你学会阅读和理解的信用报告，您正在走向一个更加安全的金融未来。 Obtain your report today!获取您今天的报告！

Melanie Cossey is a successful home based freelance writer.梅拉妮Cossey是一个成功的家庭式自由撰稿人。 Melanie writes many informative articles on the topic of credit, such as What is a FICO score and why is it important and Comprehending a Credit Report.梅拉妮写文章的许多内容丰富的专题的信贷，如什么是菲佐评分，为什么它的重要和理解信用报告。 To lean more about credit reports visit http://www.ultimate-credit-report.com for more on credit scores visit http://www.ultimate-credit-report.com/credit-score.html要瘦更多关于信用报告的访问http://www.ultimate-credit-report.com更多的信用分数访问http://www.ultimate-credit-report.com/credit-score.html

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