A credit report is a detailed and precise report samples of a person’s credit background or history. It will give information and other details to lenders about an individual’s credit score. This is mostly used during opening up a bank account, applying for a credit card, or applying for a loan. Lenders need to make sure to screen every borrower’s credit background to help them determine if he or she is eligible or not.
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Credit Report Template
Company Credit Account Denial for Unfavorable Report Template
Request to Bank for Copy of Credit Report Template
If you are planning to create a credit report or report template however you don’t know what are the necessary information that needs to be included, our list of credit report templates is exactly what you need. You will not be having a hard time making one since it is already in a pre – created format. Check them out right now.
Credit Report Authorization Form
Annual Credit Report Form Template
Authorization, Waiver, And Release For Employee Credit Report Template
Credit Report Template
Authorization, Waiver and Release for Employee Credit Report Template
Formal Report Template in Google Docs
Simple Report Template
Business Credit Report Template
Credit Report Excel Template
Credit Union Annual Report Template
A credit report includes personal information such as present and previous address, social security number, and other relevant data like the applicant’s employment history. It also includes past credit executive summary of report and the number and kind of accounts that are already in past due status or in a good position. It also includes a detailed account information in relation to huge balances, credit limits, and the date when the accounts were opened.
A credit report lists accounts with its details and its credit inquiries turned over to a credit agency such as details about charges and wage garnishments. Overall, a credit report maintains adverse information for seven years, while bankruptcy filings usually stay on a credit report for ten years.
It is necessary for a credit bureau to check a lender’s credit background via a credit report as it is their basis whether the applicant is illegible or not. In the United States, there are three major credit bureaus, and these are Equifax, Experian, and TransUnion. These credit agencies collate data about consumer’s personal information and their methods of paying their bills to make a distinct credit report. Although almost all of the details are similar, there is generally very little difference between the three reports.
For other report types, you can visit our Annual Report Template and Daily Report Template pages.
Credit Balance Report Template
Credit Control Report Template
Company Credit Report Template
Commercial Credit Report Template
Merged Credit Report Template
Now, what is inside your credit report? Although credit report bureaus may format information differently, however, all reports contain basically the same classification of information. And these are the following:
- Trade lines. These are your credit accounts.
- Identifying information. This is your personal data such as your social security number, your address, your birth date, and employment record.
- Public record and collections. This record includes suits, foreclosures, bankruptcies, wage garnishments, and liens.
- Credit inquiries. Contains a list of people who accessed your credit report within the last 2 years.
Now you know why a credit report is necessary since it stores valuable information. Since we are talking about reports and in case if you are looking for precreated report templates, this page is perfectly for you. We’ve created a list of 7 credit report templates that you can use.
These templates come in a good-quality resolution for a clear layout. These are highly adjustable—meaning, you can edit them if you want to. In case there is a need for you to add something or change the pattern, feel free to do so. You can also download them directly to your computer or laptop. These are in a PDF document for easy print. So go ahead and make use in all of them.
Check out our website for more specific report samples such as Treasurer Report Templates.