If you’re looking for a new job, then you need to make sure your credit reports are in good shape.
To start, you need to know what a credit report is. You have three credit reports – one from each of the major credit bureaus. Each bureau’s report is based on account information they receive from your lenders. Your credit reports provide information about past and current accounts and are used to calculate your credit score.
All credit reports provide the same categories of information, which include:
- Personal identifying information such as your name, address and social security number
- Trade lines, which are your credit accounts like a mortgage and car loan
- Credit inquiries that provide a 2-year history of everyone who has accessed your credit report
- Public records and collection, which can include bankruptcies, foreclosures, liens and judgments
So, here are 3 tips to keep your credit reports in good shape:
- Pay all your bills on time, every month
- Do not use more than 30% of your available credit on any card
- Monitor your credit reports and contact the credit bureaus if you find any errors
And if you’re renting, solutions like RentReporters can help build your credit history by having your on time rent payments reported to TransUnion.
For more information on RentReporters, visit here.