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Salisbury, Maryland - Credit Reports search results Premier Listings

Important Terms Relating to Credit Reports

Credit scores are important indicators of one's financial health. For this reason, many authorities advise consumers to check their credit report annually. There are some common terms associated with credit reports that may confuse you, so let's define some of them below.

  • Credit Bureau - An agency that collects information about a person's financial background to appraise one's creditworthiness. There are three major bureaus in the U.S., each of which independently calculates a consumer's credit rating.
  • Credit Score - The numerical score representing one's personal creditworthiness. A high score indicates strong financial health. It is calculated by taking into consideration a variety of factors, including payment history and types of credit used.
  • Credit Repair - Attempting to improve or increase one's credit score. Be advised that most websites promising quick-fix methods of doing this are scams.
  • Background Check - Looking up a person's financial history, past employment, criminal record, and similar data. This is frequently done by employers and landlords to help determine whether they should enter a business relationship with someone, and the process often involves checking credit reports.
  • Identity Theft - The illegal practice of stealing a person's private information, often including social security numbers and similar confidential data, with the intent of securing benefits that the victim would be otherwise entitled to. Routinely monitoring one's credit report can reduce the chance of falling victim to identity theft.
  • Fair Credit Reporting Act (FCRA) - The federal law responsible for the regulation of the manner in which a consumer reporting agency operates. Among other things, the FCRA requires credit bureaus to send free annual reports to consumers upon request.
    National Credit Reporting Association
    Roselle, IL 60172
    Stay on top of your credit score with help from our credit reporting association. Offering helpful tips and resources to maintain and improve your credit rating in any area of the country.
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    2nd Chance Credit Service
    4410 E Claibourne Square, Hampton, VA 23602
    2nd Chance Credit Service we believe that you deserve a second chance. We can help your restore your credit scores and revitalize your financial future with our credit repair enhancement service.
    (757) 316-7296
    Credit Bureau of
    31550 Winterplace Pkwy, Salisbury, MD 21804
    (410) 742-6865
    Free State Reporting Inc
    1324 Cape St Claire Rd, Annapolis, MD 21409
    (410) 757-6337
    Free State Reporting Inc
    1378 Cape St Claire Rd, Annapolis, MD 21409
    (410) 757-6337
    Merchant Lynx Services Telemarketing
    1977 Annapolis Exchange Pkwy Ste 500, Annapolis, MD 21401
    (410) 571-9722
    Jrp Background Checks
    7310 Ritchie Hwy Ste 707, Glen Burnie, MD 21061
    (410) 590-6959
    The 720 Plus Credit Score Program
    Washington, DC 20020
    (866) 722-4501
    Aca International Inc
    509 2nd St Ne, Washington, DC 20002
    (202) 547-2670
    Lenders' Credit Services Inc
    1589 Sulphur Spring Rd Ste 104, Halethorpe, MD 21227
    (410) 644-5020
    American Commercial Finance Corporation
    400 E Pratt St, Baltimore, MD 21202
    (410) 576-8946
    TRW Price Construction
    1403 Eutaw Pl, Baltimore, MD 21217
    (410) 225-3720
    Experian Information
    1401 K St Nw, Washington, DC 20005
    (202) 682-4615
    7065 Samuel Morse Dr, Columbia, MD 21046
    (410) 872-9250
    Residency Bureau LLC
    15304 Spencerville Ct Ste 201, Burtonsville, MD 20866
    (301) 476-9017
    National Credit
    3525 Ellicott Mills Dr, Ellicott City, MD 21043
    (443) 325-0800

    Credit reports are based on an individual’s past financial history. Credit reports have details about borrowed and repaid money. When someone performs a credit check on you, they are basically checking out your past finances. This is to see if you paid your bills on time, how much credit card debt you have, how much you earn annually, and whether or not you have ever filed bankruptcy. Credit reports are important these days for many reasons. Each person is assigned a credit score based on his or her financial history. The higher the score, the better. There are national bureaus and agency locations that perform credit checks all the time and provide people with scores. Having an annual credit report done by a trusted agency is a great way to monitor your score. Many people do this for personal reasons. It is also a good way to check and make certain that no one has affected your score by using your name or identity. Many businesses also check their credit ratings at times. This can easily be done online for free. Keep in mind that there are certain government regulations put in place to keep track of this information. If your financial standing or credit score is not considered high, you can work to increase it. There is more information online about finding a reliable credit check company or agency. Some local banks and bureaus can also assist you with credit checks and repairs. Depending on whom you choose to consult, there may be a small fee involved with determining your credit score.
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