Effective solutions


Let’s Keep our Identities S.A.F.E.
Security Awareness for Everybody

Here’s how to prevent Identity Theft!

Yes, you read the title correctly. Your credit report is your financial life on paper, like a resume. Credit reports inform a potential lender about your previous credit card and financial history. It is complete with dates and places, just like a professional resume for your career.

Just like building a professional resume with your employment history, you have to build your credit report by building various forms of credit such as; credit cards, car loans, a mortgage, or student loans. Additionally, your credit report is built by the businesses you have accounts with that report your payment history to the three major credit bureaus. You can think of those businesses as references, like your former supervisors can serve as references to validate your professional resume. I am sure you see the correlation now.

You maybe asking, "What's in a Credit Report?" Well, here is a rundown. A word of caution, it's basically your life on paper, in great detail. It includes four main categories of information about you.

It includes:

1. Personal Information


Social Security Number

Current and Previous Addresses

Phone Number

Date of Birth

Current and Previous Employers

2. Your Credit History (Your Bill Paying History With the Following)


Mortgage Companies

Retail Stores

Finance Companies

3. Inquiries

It lists the lenders and credit grantors that have the requested or received your credit report. A general rule of thumb is that you should have as little inquiries as possible. Potential lenders can see a high level of inquiries as a "red flag" or act of desperation.

4. Public Records

Court Judgments

Tax Liens


Keep in mind that your credit report, AKA, financial resume, is available for public viewing for potential lenders, government agencies where you may be applying for benefits, potential employers, and even landlords.

You need to always be aware of what your credit report states about you. After all, it is your financial resume, and could make or break your chances to obtaining your dream credit score and financial future.