![]() For example, you can see the account number or partial account number (normally), the date the account was opened, the date its balance was updated, the status (open, closed, etc.), and generally even payment and balance histories. Underneath each tradeline, you will find information associated with that account. Student loans are more complicated, and frequently appear as multiple tradelines. Each car loan you have will be a separate tradeline on your credit report, as will each credit card account. You may be wondering “what is a tradeline?” Simply put, it is just another word for a credit account. It does not include checking and savings accounts, as these are not credit accounts. That includes credit cards, mortgages, car loans, student loans, personal loans, etc. The account tradelines section will list all credit accounts that the credit bureau associates with you. This is by far the most complicated section of a credit report. An identity thief may have needed to list an employer on a credit card application, and if the application is approved, false employment information could find its way onto your credit report. This is a particularly important area of your report to pay attention to if you believe you are the victim of identity theft. Here is a list of all employers a credit bureau associates with you. Bottom line? Variations of Social Security Numbers are big red flags signalling that you should read the rest of your report very carefully because you are likely to find other errors. When a credit report shows that there are variations of your Social Security Number, it is almost always a strong indication that the credit bureau isn't sure exactly who you are. After all, who has two Social Security Numbers? Particularly in cases where you have been mixed by the credit bureaus with another consumer, you may find that you have Social Security Number “variations” on your credit report. You might expect that you would only ever find one Social Security Number appearing on your credit report. These may be simple mistakes, or they can be a sign that there are more serious problems in your credit file. #View transunion credit report file number codeIt may be that the number reporting is one number off, or two numbers are flipped, or even that the area code is incorrect. As with addresses and names, it is common for people to find inaccurate phone numbers appearing on their credit reports. This section of your credit report contains a list of all phone numbers a credit bureau associates with you. For example, you may see that your apartment is showing up twice on your credit report, and the second listing doesn't show your apartment number or it is missing your street number. It is common for people to see multiple “versions” of their address appearing on their credit report. This section of your credit report contains a list of all addresses a credit bureau associates with you. You may even see a host of names that don't belong to you. You may see that your middle initial is wrong on your credit report, or that your last name is spelled incorrectly. Many people find variants of their names on their credit reports. Normally located at the top of your report, this section lists all names a credit bureau associates with you. #View transunion credit report file number how toHere, we'll break down the common elements you'll find on almost all credit reports, and a primer on how to understand them. Just because credit reports come in many formats, that doesn't mean there aren't some common themes. A TransUnion credit report you obtain from may look very different from one obtained from. To add even more complexity, even from a single credit bureau, you can find credit reports that come in a variety of formats. Your Equifax credit report may put a list of all phone numbers associated with you at the bottom of the report, while your Experian credit report may show your phone numbers at the very top. Equifax, Experian, Innovis, and TransUnion all have different structures for their credit reports. Unfortunately, we can't give you a simple step-by-step guide to reading your credit report. Credit reports are hard for laypersons to understand. This is the situation many of our potential clients find themselves in, and it's understandable. You finally get a copy of your credit report with Equifax, Experian, Innovis, TransUnion or one of the many smaller credit bureaus, but when you look at it you're hit with a wall of information that you can't possibly understand. ![]()
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