How To Read Your Credit Report如何阅读您的信用报告

Article source: http://www.consolidatemybill.com/ . 文章来源： http://www.consolidatemybill.com/ 。 Used with author's permission. 用作者的许可。

The Fair and Accurate Credit Transactions Act, signed into law on Dec. 4, 2003, gives every American the right to a free credit report every year from each of the three major credit bureaus -- Equifax, Experian and TransUnion.公平和准确信用交易法，签署成为法律12月4日， 2003年，使每个美国人都有权享受免费的信用报告，每年从每个三大信用局-E quifax， E xperian和T ransUnion。

What the law doesn't do is give every American the ability to read their credit report.什么法律不要做的就是让每一个美国人的能力，阅读他们的信用报告。 Not one word in the law says the credit bureaus have to write it in plain, easy-to-understand language.没有一个词在法律中说，征信机构将它写在平原，易于理解的语言。 Go to http://www.ftc.gov and click on consumers then credit and read it for yourself.转到http://www.ftc.gov ，然后按一下然后对消费者的信贷和阅读它吧。 Hopefully you'll stay awake希望你会保持清醒 . 。

While all credit reports follow a basic format, some vary so what you are about to read doesn't apply across the board.虽然所有的后续信用报告的基本格式，有些什么差别，因此您要阅读并不适用于整个董事会。 If you didn't get it directly from one of the bureaus mentioned above, your best bet for a translation is the source providing your copy.如果您没能直接从一个分社如上所述，你最好的赌注是翻译的来源提供您的副本。

Here is the four part skeleton most bureaus use.以下是四个部分骨骼最分社使用。 Part one is your identifying information.第一部分是您身份的信息。 This would be information like your name, social security number, previous addresses, current address, date of birth, driver's license number, telephone number, spouse's name and your employer and length of employment.这将是信息，如您的姓名，社会安全号码，以前的地址，目前的地址，出生日期，驾照号码，电话号码，配偶的姓名和您的雇主和长度的就业机会。 As with all sections, pay close attention because chances are pretty darned good, some of it is wrong.如同所有的部门，密切关注，因为机会非常darned好，有些是错误的。

It is wrong because this information comes to the bureau from a myriad of sources and the bureau doesn't take the time to update or correct it.这是错误的，因为这一信息是国家统计局从无数的来源和主席团不花时间来更新或更正它。 That leaves you as your own correcting agent.这使得你纠正自己的代理人。

Part two is your credit history.第二部分是您的信用记录。 This is usually the longest part of your report because you probably have had department store accounts, multiple credit cards, multiple bank and other financial institution loans, mortgages, car loans, lines of credit, home equity loans and other transactions involving credit.这通常是最长的一部分，你的报告，因为你可能有百货公司账户，多张信用卡，多的银行和其他金融机构的贷款，抵押贷款，汽车贷款，信用额度，房屋净值贷款和其他交易，涉及信贷。

Sometimes you will see the bureau calls these accounts trade lines.有时候，你会看到局要求这些帐户的贸易行。 No big deal because they are still your accounts.没什么大不了，因为他们仍然您的帐户。

These accounts usually start with when you opened the account then tell the type or kind of credit (installment, car loan, personal loan, etc.) and whether it is in your name or someone else is on the account with you.这些帐户通常开始当你打开帐户，然后告诉的类型或种类的信贷（分期付款，汽车贷款，个人贷款等） ，无论是在您的姓名或别人对你的帐户。 The total amount of the loan with your high credit limit or if it is a credit card, your highest balance follows.的总金额与您的贷款信用额度高，或者是信用卡，您的最高余额如下。 The next thing it shows is how much you still owe and if the payments are fixed or minimum monthly amounts.在未来的事情它表明是多少你还欠，如果支付固定或每月最低数额。 Your status, open/inactive/closed/paid, follow your payments then comes the item everybody wants to know, how well you've paid on the account.您的地位，打开/无效/关闭/支付，您的款项按照当时的项目是每个人都想知道，如何支付您的帐户。

This is where the bureaus list if you are late, and if late, how late and how often you've been late.这就是分社清单如果你是晚了，如果晚了，晚和如何多久你已经太晚了。 If you are not late, it will show you pay on time.如果您不是晚了，它会显示您及时缴纳。

Part three is called Public Inquiries or Public Records.第三部分是所谓的公共问讯或公共记录。 This is where tax liens, judgments, foreclosures and bankruptcies are listed.这是税收留置权，判决，赎回和破产中列出。 You want this part to be blank and I do mean blank.你想这部分是空白，我不意味着空白。 If you see anything here, attempt to correct immediately if not sooner.如果你在这里看到什么，企图立即纠正，如果不是更早。

Part four is the Inquiries section.第四部分是咨询部分。 It is divided into two parts.它分为两个部分。 Part one are the inquiries you initiate by filling out a credit application.第一部分是调查您开始填写信用卡申请。 This section is generally referred to as the hard inquiry section because you are the initiator of the inquiries.本节一般称为硬调查部分，因为你是引发的询问。

The second part is called the soft inquiry section.第二部分是所谓的软调查一节。 What you'll find here are the names of companies who have sent you offers of credit or current creditors who are monitoring your account.你会发现这里的公司名称谁也寄给您提供的信用卡或债权人谁目前正在监测您的帐户。

Sometimes there is a fifth section called Remarks.有时候，有一个第五节所谓谈话。 Read it because you never know who reported what about you.阅读它，因为你永远不知道谁报告什么你。

Each credit report bureau places an explanation of terms usually on the backside of the report pages.每个信用报告局的地方解释条款通常的背面的报告网页。 In it, they explain what the numbers and letters you see next to your accounts mean.在这份备忘录中，他们解释什么是数字和字母你看旁边的帐户的意思。 So, if you see something like I9, don't fret as it should be defined in the explanation of terms.所以，如果你看到一些像I9 ，不要担心，因为它的定义应该在解释条款。

Of course, I9 could be negative, so you may have to fret.当然， I9可能是负面的，所以你可能要担心。 Either way, you are now almost totally armed to deal with that free credit report the law said the bureaus had to give you.无论哪种方式，你现在几乎完全武装对付这种免费信用报告法说，分社已经给你。

Good luck and may all your credit be A+.祝你好运，并可能所有您的信用卡是一个+ 。

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