// BEGIN editorial data
 var i = 0;
var credit_reports = new Array();
credit_reports.ID = "credit_reports";
credit_reports.ID_WB = 6622688;
credit_reports.sPubDate = "11/30/2004 11:15:37 PM GMT";
credit_reports.navsectionID = "3032117"
credit_reports.appFmt = 2;
credit_reports.itemsPerPage = 1;
credit_reports.appWidth = 460;
credit_reports.appHeader = "fact file|What's in a credit report?";
credit_reports.appDeck = "There are four section to a typical credit report. Click at left to find out more about each one.";
credit_reports.appNavStyle = 3;
credit_reports.appLayout = 3;
credit_reports.copyMargin = 9;
credit_reports[i++] = new Array("","Personal information","","","","", "", "", "", "", "", "", "", "", "", "", "", "", "", "");
credit_reports[i-1].body = "This section includes basic information about you, such as name and Social Security Number. It may include current and previous addresses, current and previous employers, and spouse's name.  It's a good idea to make sure all the entries are accurate.";

credit_reports[i++] = new Array("","Accounts","","","","", "", "", "", "", "", "", "", "", "", "", "", "", "", "");
credit_reports[i-1].body = "This section will list your loans and revolving debt, the status of the accounts, and information about your payment history -- such as how many times your payments have been late. Each individual entries in this section is called a \"tradeline\" in the credit business. ";

credit_reports[i++] = new Array("","Public records","","","","", "", "", "", "", "", "", "", "", "", "", "", "", "", "");
credit_reports[i-1].body = "This section basically includes court records pertaining to you that have financial consequences. It may include bankruptcies, tax liens, other monetary judgments against you, and delinquent child support. ";

credit_reports[i++] = new Array("","Credit inquiries","","","","", "", "", "", "", "", "", "", "", "", "", "", "", "", "");
credit_reports[i-1].body = "Easily overlooked, credit inquiries provide an important glimpse at how many companies are checking up on your financial background. It can also be an early indicator of identity theft. Any firm which has \"pulled\" your credit history will be listed here. Consent is not required for someone to pull your credit report, so a typical listing might be an auto dealer interested in learning if you can afford that car you are test driving.  Your current credit card issuers pull credit reports as often as once a month, looking for signs of any late bill payments, as an excuse to hike your current discount interest rate.  Repeated attempts to apply for mortgages would be an indicator of an identity theft incident.<p><br>These indicate to other lenders that you have applied for new credit (which could result in additional debt). Potential lenders may view multiple recent inquiries on your credit report as a sign that you may be overextending yourself.";

	// END editorial data