Credit Reports

or “consumerAny natural person obligated or allegedly obligated to pay a debt incurred for personal, family or household use. reports,” contain information about your creditThe ability of a person to borrow money, or buy good by paying over time. Credit is extended based on worthiness. Information is kept on file with a credit bureauThe three main credit reporting agencies, or credit bureaus, are Equifax, Experian, and Trans Union. and will display data about past paymentPeriodic (usually monthly) installments paid to a lender to be applied toward repaying your loan. Payments history. You have the right to request a free copy of your credit reportThis is a report containing detailed information on your credit history. The report includes identifying once a year. Contact the Maine Office of Consumer Credit RegulationSupervision of business practices by a governmental entity. Regulation of insurance companies is through at 1-800-332-8529 to order forms.