Credit and Debt Management

  1. Credit Reporting System
    1. Credit Bureau Infrastructure
      1. Major Credit Bureaus
        1. Experian
          1. Equifax
            1. TransUnion
            2. Data Collection Methods
              1. Creditor Reporting
                1. Public Record Sources
                  1. Court Records
                  2. Data Processing and Storage
                    1. Data Sharing Agreements
                    2. Credit Report Components
                      1. Personal Identification Information
                        1. Name Variations
                          1. Current and Previous Addresses
                            1. Social Security Number
                              1. Date of Birth
                                1. Employment History
                                2. Credit Account Information
                                  1. Account Types and Categories
                                    1. Account Status Indicators
                                      1. Payment History Records
                                        1. Credit Limits and Balances
                                          1. Account Opening and Closing Dates
                                          2. Credit Inquiry Records
                                            1. Hard Inquiries
                                              1. Mortgage Applications
                                                1. Credit Card Applications
                                                  1. Auto Loan Applications
                                                    1. Impact Duration
                                                    2. Soft Inquiries
                                                      1. Pre-approved Offers
                                                        1. Account Reviews
                                                          1. Personal Credit Checks
                                                        2. Public Records
                                                          1. Bankruptcy Filings
                                                            1. Chapter 7 Bankruptcy
                                                              1. Chapter 13 Bankruptcy
                                                                1. Reporting Timeframes
                                                                2. Tax Liens
                                                                  1. Federal Tax Liens
                                                                    1. State Tax Liens
                                                                    2. Civil Judgments
                                                                      1. Court Judgments
                                                                        1. Reporting Duration
                                                                      2. Collections and Charge-offs
                                                                        1. Collection Agency Accounts
                                                                          1. Charged-off Accounts
                                                                            1. Settlement Records
                                                                          2. Accessing Credit Reports
                                                                            1. Free Annual Credit Reports
                                                                              1. Federal Entitlement
                                                                                1. Authorized Websites
                                                                                2. Additional Free Report Situations
                                                                                  1. Adverse Action Notifications
                                                                                    1. Fraud Alerts
                                                                                      1. Identity Theft
                                                                                        1. Unemployment Status
                                                                                        2. Credit Report Review Process
                                                                                          1. Accuracy Verification
                                                                                            1. Error Identification
                                                                                              1. Fraud Detection
                                                                                              2. Dispute Resolution Process
                                                                                                1. Filing Disputes
                                                                                                  1. Required Documentation
                                                                                                    1. Investigation Timeline
                                                                                                      1. Resolution Outcomes

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                                                                                                  1. Fundamentals of Credit and Debt

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                                                                                                  3. Credit Scoring Systems