Credit Check: A Wise Way To Borrow Money


It is possible that at some point of life people may have financial crunch. At that time, we may look for some financial options like loans or credit cards to tide over the difficulty. In doing so, we may require our credit rating from the financing institution. In order to have the credit rating or score, the lender should have a credit check of the person to whom he is going to lend.

A credit check is undertaken by a lender to establish the credit worthiness of a person before lending money. It can help one to decide wisely when it comes to lending or borrowing money. The credit check is done with a credit reporting agency that makes a detailed analysis of credit worthiness of a person. When doing a credit check, all the relevant information with regard to the past history of credit is collected. It normally includes:

1. Personal information like date of birth, previous as well as current address of place, employment details, income, employer’s name, etc.
2. Credit history that includes all loans and payments.
3. Public records like bankruptcy or court orders
4. Missed payments
5. Credit check inquiries
6. Banking information
7. Duration of credit line

The past history of payments of an individual is documented when the creditors report it to the credit agency. The credit history includes the prompt payments or defaulted payments. The credit check, which includes all these information, helps the creditor know whether financing an individual is at a low risk or high risk. Based on this it is decided whether a loan or credit card should be sanctioned or not. Despite the high risk if it is sanctioned, the amount of loan offered will be less or the rate of interest charged will be high.

Generally, the credit agencies that provide you credit information collect it from the various creditors with whom you had dealings in the past. The creditors hand over the information for a small fee. The information collected will be from two or three different sources so that the agency can compare them to prove its fidelity. The most popular agencies who can provide credit checks are Equifax, Trans Union, and Experian. Other than the lender, you can also have your credit check with these agencies by sending them a written request by email.

According to The Fair Credit Reporting Act of 2003, any person can receive a copy of his or her credit check once in every year from a recognized credit bureau free of cost. This will help you know your credit rating and further help you borrow money in times of need at a better interest rate.

Read more details about credit check and free credit score .

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