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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June 2, 1999: 8:45 a.m. ET by money.cnn
Agencies you've never heard of are keeping tabs on your spending habits
NEW YORK (CNNfn) - Safeguarding private financial information from major Credit Reporting agencies has always been somewhat of a losing battle.
But in recent years, the fight has become even more challenging as a new crop of Credit bureaus - targeted more specifically at Consumers' vices -- have joined Big Brothers Experian, Trans Union and Equifax in the credit surveillance game.
While this group still plays a much smaller role than the three major Credit bureaus, their proliferation has made life increasingly difficult for Consumers with credit problems, says Jon Golinger, Consumer program director of the California division of the Public Interest Research Group.
If your credit is marred through no fault of your own - by errors or identity fraud, for example - not knowing who has this faulty information will make it more difficult to clear up any complications. "You won't know you are on these lists (of the lesser known Credit bureaus), until there is a problem," Golinger said. "In the meantime, you are still denied credit or a job, even though you have been cleared (by the larger agency.)"
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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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Take charge: Monitor your credit now to save problems later
USA TODAY
... of us to be vigilant. But the growing number of major data breaches — Anthem, Home Depot, Target, Sony, K Mart, JP Morgan Chase, Dairy Queen, UPS and many others — now makes it even more critical to watch your credit report for signs of identity ...
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10 Things Everyone Should Know About Credit Scores
Credit.com News (blog)
4. Checking Your Own Score Won't Hurt It. Only hard inquiries (aka when a lender looks at your credit when you apply for a loan or credit card) have a negative impact on your scores, and the effect is small and temporary.
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