If you’re not already aware, annualcreditreport.com is a government approved website that allows you to get free access to all three of your credit reports (one from each of the three credit bureaus: TransUnion, Equifax &... Read More →
Category - Credit Reports
Does Removing A Negative Item With One Agency Force The Other Two To Remove It Also?
Question: I recently found a negative item on my Equifax credit report (bill marked as unpaid & delinquent even though I had paid it). I disputed the item and Equifax has removed it. I’m just wondering if I’ll need to... Read More →
How To: Add A Statement Of Explanation To Your Credit Report
Something that a lot of consumers don’t know is that they are able to add 100 words of “explanation” to their credit report, this is covered under the fair credit reporting act (FCRA). Experian & TransUnion allow... Read More →
Who Can Access My Credit Report?
Question: I have terrible credit history and I am worried that future employers might not hire me because of it. I’m just wondering who can access my credit report and under what circumstances? Is there a way to check who has... Read More →
How To: Remove Negative Items From Your Credit Report
It’s not unusual for an item on an individuals credit report to be incorrect. Getting this information changed and updated can be a hassle, but is well worth doing as it may be effecting how eligible you are for new credit and the... Read More →
How To Get Your Free Credit Report
In November of 2003, FACTA (Fair and Accurate Credit Transactions Act) was passed by US congress and signed into federal law. Among other things this allowed individual consumers free access to their credit report from each of the... Read More →