CREDIT REPORTS

There are three national credit-reporting agencies that maintain records about you: TransUnion, Equifax, and Experian. Each of these bureaus works independently to gather information from businesses and update your credit profile. This data is then requested by creditors, lenders, insurers, landlords, and employers to be used in evaluating your financial responsibility.

You may find a complete description of how to read a credit report at:
http://www.truecredit.com/help/learnCenter/reportguide/creditReportGuide.jsp?cb=TransUnion&popup=true

Your credit report data from each bureau is divided in to six main sections:

• Personal Information
• Summary
• Account History
• Public Information
• Inquiries
• Creditor Contacts