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How
can I get a credit report?
We do not provide
credit reports. We only provide information on how you can obtain them.
You can read more about it on
our web site. You can obtain your credit report online or by mail.
You may or may not be eligible to obtain a free credit report. Please
refer to our pages for details. Please request your credit reports directly
from companies that provide them For free credit reports, our information
pages. For general info and a comparison table of paid credit
report providers, visit our home page.
I
am a victim of credit fraud: my wallet was stolen or I think someone is
using my information. What Can I do?
Take a look at our
Dealing with Credit Fraud article. We have assembled all
information and all the phone numbers you will need. You need to contact
each of the three credit bureaus (Experian, Equifax, TransUnion). They
are very helpful. You can call them 24/7.
I
ordered a credit report and/or membership and I want to cancel. How do
I do that?
We do not sell anything.
We only provide information on credit reporting and link to companies
that provide such services. You probably ordered it from ConsumerInfo:
http://www.consumerinfo.com
or one of the other companies. Please contact them directly. You can
visit our homepage to find the
company from which you ordered.
How
can I see my credit score? What is my credit score?
Currently, you
cannot see your credit score. No agency provides them to individuals.
Only creditors can see your score. This is about to change as new laws
are implemented sometimes during the year 2001. You will then be able
to obtain/see your credit score. For more information on credit scoring,
please read our outstanding article Your
Credit Score or Your Life?
Who
can see my credit report? Can I see somebody's credit report?
Your credit report
can be seen by companies who need such information to qualify/prequalify
you for loans, by credit card companies, by your landlord and/or by
employers. You, as an individual may not obtain a credit report on another
individual unless you have a legal reason and a permission from that
person to do so. Valid reasons include those that require credit information
for business decision such as renting house/apartment, loans, etc.
How
long does bad information/bad credit history remain on my credit report?.
In general, credit
history remains on your file for a maximum of 7 years in case of bankruptcy,
the worst credit offense out there. Be aware though, that if you have
defaulted on some loan and never repaid it, the creditors may keep filing
bad information on your file so even if 7 years have passed since you
stopped paying, bad information may still be on your credit report.
The "7-years" date applies to those accounts that have been
"resolved" that is there has been a closure of the case. So
check your credit report
to make sure that the old lenders do not keep piling bad information
into your credit files. You really should take a look at your credit
reports. If you were recently denied credit you may be able to get them
for free. Look for more info on
our site. Use the links on the top of each page to navigate. Quite
simple, but they work. If you read our pages carefully, they have all
the answers. If you don't have a credit card, you might want to try
to get one at your bank or get a secured
credit card so that you accumulate some good history.
I
do not have a credit card. How can I obtain a credit report?
You cannot obtain
a credit report online without a credit card since companies use your
credit card for verification purposes that you are really "who"
you are claiming to be. You can visit the web sites for Equifax or Experian
and print out an order form. Send it in along with your check to the
address on the order form. All web sites are listed on our home
page.
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