Healthy Credit

Your credit report is your record of creditworthiness. Lenders use credit reports to evaluate your ability to make monthly payments on a timely basis. Whether or not you receive credit, how much credit you do receive and the interest rate you will pay are among the issues determined by the information in your credit report.

Good credit comes from paying your bills consistently and on time. Always pay at least the minimum amount due and always pay on time.

If you want information regarding your credit file you can contact these credit reporting companies:

These credit reporting companies maintain information about your credit history and you have a right to see the information that is in your credit file. You can contact any company to receive a copy of your credit report by mail or online. If you have been denied credit on the basis of credit report information you believe to be inaccurate, you can also contact these companies to request the information be corrected.

Your credit report will contain identifying information such as your name, current and previous addresses, telephone number and date of birth. It will also include your history of paying bills, any information from public records that might affect your creditworthiness (for example, judgments or bankruptcies), information about inquiries made by creditors and any other parties you have authorised to receive your credit report, plus any additional relevant information such as banking information or collections information.

If your credit report includes incorrect information contact the credit reporting company immediately. They will review your report, investigate your claim and make the correction if applicable.