If your credit report isn’t telling the whole story, take action

You may have taken a recent look at your credit history and been surprised to find that some information isn’t there. The truth is that lenders don’t always report every account to credit agencies -- they even omit mortgages and car loans sometimes. But an incomplete record can have a negative impact on your overall credit rating, especially if unreported information relates to accounts you’ve paid on time. If you've discovered that this is the case, it may be time to ask credit reporting agencies to add key account information that’s missing.

Nolo’s Letter to Request Addition of Account Histories shows you how to get information added to your credit file. Plus, it alerts you when you need to include documents along with the request. Take action now to ensure that lenders and others get an accurate picture of your credit history.