MANAGING YOUR CREDIT REPORT

When you applied for your first credit card (probably back in high school or college),your name and a lot of personal information got zapped into a computer, and yourpersonal credit report had begun. Since then, every time you applied for another credit card or a store card, took a vacation loan from yourbank or credit union, or applied for a car loan, information was added to your report.
There are three big, nationwide credit agency companies,and each of them probably has the same information about you and your credit history.

They get itfrom banks, finance companies, credit card suppliers, department stores, mail order companies, and various other places that have had the pleasure of doing business with you. Smaller, regional credit bureaus supplement the information. Your personal credit report includes information such as your name, social security number, date of birth,your address from the time you first got a credit card until now, everywhere you've worked during that time, and how you pay your bills. Whenever you apply for a loan or for credit, the place at which you applied will check out your report with a credit agency. In turn, it will give the credit agency anyadditional information that it's picked up on you.

Say you want to buy a Chevrolet car , and you apply for credit with the car dealership.

Pretty soon, a whole bunch of information about you is floating around out there, ready to be handed out to who-knows-who whenever you go for a loan or apply for acredit card or mortgage. If you find it a little unsettling that all this personal information about you is available, you might find some comfort in knowing that not just anyone can get access to your credit report. When you applied for your first credit card (probably back in high school or college), your name and a lot of personal information got zapped into a computer, and your personal credit report had begun before getting into credit troubles. Since then, every time you applied for another credit card or a store card, took a vacation loan from your bank or credit union, or applied for a car loan.

When you say "debt," most people immediately think "bankruptcy." There is certainly an epidemic of personal bankruptcy in the United States today. But bankruptcy is not an easy solution. It can seriously disrupt your life, it ruins your credit history, and it's possible that it won't get rid of most of your debts. Make sure that you know all the facts before you Consider this option.

If a chronic gambler deserts his wife and leaves her with a hefty mortgage, $90,000 in credit card debt, and six children, she might want to consider bankruptcy. For everyone else, bankruptcy is probably a bad choice.

Bankruptcy is humiliating. It seriously undercuts your sense of self-esteem and makes it difficult for you to make positive changes in your life.

You can lose much of your personal property. (The court sells the property to pay your creditors. If you're going to lose everything anyway, why not sell it yourself? You'll probably get a better price for it, and you won't have a bankruptcy ruining your credit report.)

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