Credit report - Free online credit report - Online credit report - Credit report repair - Free credit report - Credit bureau report - Consumer credit report
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To better understand the issues relating to your legal situation or problem, our legal information and other law related facts may be of interest to you
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What information is included in my Credit Report?
Your personal Credit Report contains such information as your name, current and previous addresses, phone number, Social Security number, date of birth, and current and previous employers. Your spouse's name may appear on your version of the Credit Report, but it will not appear on the version that is provided to others. This information comes from your credit applications, so its accuracy depends on your filling out the forms clearly, completely and consistently each time you apply for credit.
It will show specific information about each account such as the date opened, credit limit or loan amount, balance, monthly payment and payment pattern during the past several years. This information comes from companies that do business with you.
It also shows federal district bankruptcy records and state and county court records of tax liens and monetary judgments. Your Credit Report will also show the names of those who have obtained a copy of your Credit Report This information comes from the Credit Reporting agency.
Your Credit Report will show statements of dispute. These statements give both Consumers and creditors the opportunity to report the factual history of an account. Statements of dispute can only be added after a Consumer officially disputes the status of an account, the account has been reinvestigated, and the Consumer and creditor cannot agree about the account status. Both the Consumer's and creditor's statements of the account status will appear on the Credit Report.
Most Credit Reports do not contain data about race, religious preference, personal lifestyle, political preference, medical history, friends, criminal record or any other information unrelated to credit.
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Return to all Credit Report legal information
Legal Articles about Credit Report
Credit Report Frequently Asked Questions
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Credit report correction techniques
Many times the credit bureau is busy and does not handle your dispute properly ...
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Basic rights under The Fair Credit Reporting Act
All Federal Laws are in consumer's favor and you will have the advantage ...
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Credit Scoring and the Lending Industry
Credit scoring is crucial to your ability to get a loan. When you apply for a mortgage, your lender ...
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Betty Lin-Fisher: It's important to check your credit reports
Akron Beacon Journal
Q: When should I pull my credit report? A: When you're looking at a big purchase, it's worth getting that information and taking a look at where you stand. (The reports all vary since consumers have no control over what creditors report information to ...
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After Equifax Hack, Calls For Big Changes In Credit Reporting Industry
NPR
Even to discover any of this, Mifflin says he'd had to sign up for a service with the credit reporting firm Experian, paying $26 a month. He says that was frustrating too, to have to pay some $300 a year "just to get my information that they're ...
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