Title: Credit History

Personal Information Goes in Your Credit History

Any credit history begins with who you are. Obvious identifying details would include your name,

address, date of birth, and Social Security number. These facts would be current information in

order to make sure the credit history belongs to the correct person.

Next would come historical information. All known previous addresses are listed. Your current and

previous employers are identified. In other words, a credit history includes as much information

about your current and past life as possible.

Pay Your Bills on Time

Most important in determining your credit rating is your payment history. So pay your bills on

time, even if you can only afford the minimum payment. Future creditors scrutinize your credit

card, mortgage and loan payment history as it appears in your credit report.

Any item in public records is also contained in your credit history. Bankruptcies and liens or

judgments will not only be listed, but remain on your record for years. One of the best habits to

form is paying bills on time. It may just prevent serious financial problems from developing that

are then reported to credit bureaus

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