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In my experience as vice president of operations for Personal Solutions for Equifax, a lot of consumers answer no to these questions.
Credit reporting agencies or CRAs compile data about you and your finances from many sources, including lenders, credit card companies, and public records, and create a credit file that reflects your personal credit history.
Much of my job focuses on ensuring our customers understand the products Equifax offers and to learn how we can best meet their needs. I’m passionate about credit and our products because both help people make smarter decisions about their personal finances. Consumers don’t always understand the role of the credit reporting agency in their credit history and the value of taking control of their destiny by monitoring their credit and maximizing their financial portfolio. That is the challenge.
My father taught me at a young age to take care of my finances. My mother didn’t do much with the family finances beyond balancing a checkbook, so now I’m helping her sort through annuities and pensions and the stock market. She didn’t want to wrestle with the portfolio, but my father wanted me to be financially savvy. And now, with twenty-four years in the financial services industry, I have seen what can happen if you don’t understand credit and how it affects your financial big picture.
In my current role with Equifax, I get to see what questions people are asking when it comes to their credit history, credit score, and interactions with credit reporting agencies.
Here are some of the most frequently asked questions: How long do you keep credit information like bankruptcies and late payments on my credit report?
I’m going to answer these questions for you in this blog. But, I also want to hear from you. I want to make this an educational resource to help you better understand your financial big picture and get the most out of your portfolio. What else do you want to know?
Diane Moogalian is vice president of operations for Equifax Personal Information Solutions. Prior to joining Equifax in 2007, Diane held several strategic roles with leading financial services companies.
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