Credit Reports

Credit Reports

1. What is a Credit Report?

  • A credit report is a detailed record of your credit history, maintained by Experian, Equifax, and TransUnion.

  • Includes:

    • Personal information (name, SSN, addresses)

    • Credit accounts (loans, credit cards)

    • Payment history

    • Public records (bankruptcies, liens, judgments)

    • Hard inquiries

2. Accessing Reports via CreditVana

  • Free Plan → One-bureau (Experian) report.

  • Premium Plan → Full 3-bureau report.

  • To view:

    1. Log into portal.creditvana.com

    2. Navigate to My Credit Reports

    3. Select desired bureau

3. Accuracy of Reports

  • CreditVana retrieves reports directly from the bureaus, ensuring real-time accuracy.

  • If you see an error, you must file a dispute (see below).

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