Business information providers like Trans Union and Equifax collect and organize information about an individual’s credit and payment habits. The information is available to those with a legal permissible purpose to see it in the form of a credit report.
Credit reports are one of the primary tools that creditors use to make fair and accurate decisions on whether or not to grant credit. Your credit report is a snapshot of your financial trustworthiness.
You have the right to access your personal credit information. Upon review, if you disagree with the content of your credit report you have the right to dispute the information.