Credit bureaus collect and sell four basic types of information:
Identification and employment information
Your name, birth date, Social Security number, employer, and spouse's name are routinely noted. The CRA also may provide information about your employment history, home ownership, income, and previous address, if a creditor requests this type of information.
Payment history
Your accounts with different creditors are listed, showing how much credit has been extended and whether you've paid on time. Related events, such as referral of an overdue account to a collection agency, may also be noted.
Inquiries
CRAs must maintain a record of all creditors who have asked for your credit history within the past year, and a record of those persons or businesses requesting your credit history for employment purposes for the past two years.
Public record information
Events that are a matter of public record, such as bankruptcies, foreclosures, or tax liens, may appear in your report.
At NXT LVL Lending, we believe that buying a home or refinancing should be an empowering experience, not an overwhelming one. With over 20 years in the industry and a deep understanding of our local market, we’re here to make your mortgage journey clear, simple, and successful. Based in Miami, FL, our team of experienced brokers is dedicated to providing tailored mortgage solutions that meet the unique needs of our clients.
Company NMLS: 2471162
www.nmlsconsumeraccess.org
10625 N. Kendall Dr
Miami, FL 33176
Phone: 3059678159
team@nxtlvllending.com
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