2. From Which Company Should I Get My Credit Report? (2)
Spouse’s name. It’s not absolutely necessary, but again, it helps distinguish you from anyone elsewith a similar name.
Telephone number. You may not get your report if you don’t include your telephone number. You may hesitate to include it, knowing that bill collectors can get it by getting a copy of your credit file. But unless it’s unlisted, they can also call Directory Assistance and get it. If you’re trying to repair your credit, you will want to make sure your phone number is in your file. It is one sign of stability your future creditors look for.
Current address. You won’t get a copy of your credit report if you don’t include your address. Previous addresses. Credit bureaus ask for this if you’ve been at your current address fewer than two to five years. Again, it helps distinguish you from other people with similar names. If you don’t want the bureau to have this information, you can leave it off, but your request may be rejected.
On the pages that follow are copies of sample credit reports from Equifax, Trans Union and Experian. You will notice that the three credit bureaus report the information in very different formats, and furthermore, contain different information.
Taken From : Credit Repair by Attorneys Robin Leonard and Deanne Loonin
