Credit reports have lots of information about your credit history. As with anything so complex and full of data, the credit report is not easy to read or understand, let alone find an error.
The Financial Reform Legislation will require lender certify that consumers have a reasonable ability to repay a loan. Lenders will look at your income closely, but this will also force more scrutiny on your credit score.
I have a friend of mine who says his credit score goes down almost 50 points every World Cup because he is too distracted to pay his bills.
The insurance industry uses your credit report to calculate an insurance score to help determine underwriting risk and possible sudden financial stress that might lead to insurance fraud.
The auto score is a very popular alternative to the standard credit score and it is important consumers understand who can look at it.