If you have never had your Special Credit Report in your hands, it may be time to do so. Go to apply for a mortgage loan or not. It is good to be prepared in case it is required. An unpleasant surprise could be hidden.
The credit bureau report
Since the Credit Bureau keeps a record of each person’s credit history, it is worth knowing and understanding.
Your history, called Special Credit Report, contains your general information such as name, date of birth, domiciles, Federal Taxpayers Registry, date and page of consultation, as well as the date on which you entered the Credit Bureau.
Summary of all your credits that is divided by type of credit grantor
Below, you will find a summary of all your credits that is divided by type of credit grantor. Next to each of the credit records will appear an icon that indicates in which situation is that credit.
A green dove means that account is current in your payments. An exclamation mark in yellow indicates that this credit has a payment delay of one to 89 days. Finally, an “X” in red means that this credit has a payment delay of 90 days or more or that there is an unrecoverable debt.
In the following part, each of these credits presents boxes with additional information among them: name of the institution with which you have the credit; account number; type of credit; opening date and last payment.
In the last section there is a monthly payment history box where you enter a number that indicates how the credit was paid in days.
Who can check my Special Credit Report?
Everyone. As long as you authorize it.
The report shows a list that shows which institutions have consulted your history. If you believe there is wrong information, you must claim the Credit Bureau.