Credit file report
1 / 15

Credit File/Report - PowerPoint PPT Presentation

  • Uploaded on
  • Presentation posted in: General

Credit File/Report. By: Nathan, Katherine, Michael, Matthew. Nathan. INFORMATION INCLUDED IN A CREDIT REPORT. Personal data - full name, SS and drivers license numbers, recent addresses, date of birth, spouse’s or other family members names, and phone numbers

I am the owner, or an agent authorized to act on behalf of the owner, of the copyrighted work described.

Download Presentation

Credit File/Report

An Image/Link below is provided (as is) to download presentation

Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author.While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server.

- - - - - - - - - - - - - - - - - - - - - - - - - - E N D - - - - - - - - - - - - - - - - - - - - - - - - - -

Presentation Transcript

Credit File/Report


Nathan, Katherine, Michael, Matthew



  • Personal data - full name, SS and drivers license numbers,recent addresses, date of birth, spouse’s or other family members names, and phone numbers

  • Credit information - credit accounts, date they were opened, payment history, debt owed, any co-signers

  • Public record information - bankruptcies, lost court cases, federal and state tax liens, overdue child support

  • Requests for your credit history - a list of individuals and organizations that have recently sought information from your credit report


  • Race

  • Color

  • Religion

  • National Origin

  • Sex

  • Marital Status

Nathan’s sources:

How does inaccurate credit get on your credit report?

  • Company does not register that the bill was paid

  • Inaccurate information entered by the credit company

  • Stolen Identity

How do you remove collections from your credit report?

  • Disputing it with the credit bureaus

  • Pay for delete

  • Ask for a goodwill deletion

  • Pay it

Who can access or look at your credit report?


  • Can be provided for use in connection with a credit transaction, underwriting of insurance, or other legitimate business need.

  • Friends, neighbors, and other individuals cannot be given access to credit information about you.

  • If they request the information, they may be subject to a fine, imprisonment, or both.

Checking your own credit report.

  • The Fair Credit Reporting Act

  • Maintains the use of credit reports.

  • Gets rid of all out-of-date information.

  • Allows you to correct any incorrect information.

Who do you complain to about consumer credit?

  • Consumer Financial Protection Bureau

  • Report company to your state attorney general's office.

  • Report the company to the Better Business Bureau (BBB)

How do you voice complaints about consumer credit?

  • Online

  • Call 1-855-411-CFPB (1-855-411-2372) or 1-202-435-7000.

  • Report it directly

Katherine’s Sources

  • "The Free Automatic Bibliography and Citation Generator." EasyBib. N.p., n.d. Web. 08 Apr. 2014.

  • Kapoor, Jack R., Les R. Dlabay, and Robert J. Hughes. Business and Personal Finance. New York, NY: Glencoe/McGraw-Hill, 2007. Print.

  • "Remove Debt Collections From Your Credit Report." Credit / Debt Management. N.p., n.d. Web. 14 Apr. 2014


Bad Credit History -

1. Your Financial past may say something to employers.

2.Getting a job in Finance is harder.

3. Employers may use Credit History to break a tie between Applicants.


Fair Debt Collections Act - Basic Provisions

1. Right to sue Collectors for violations

2. Protection against harassment

3. Prohibits disclosure

4. Bans contact with consumers at inconvenient times


How The Act Protects You

1. Prevents Harassment and abuse

2. Misrepresentation

3. Confidentiality

4. Penalties




  • Login