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TODAY'S CREDIT TIP This year, it's not just the kids who are heading back to school-TrueCredit is giving you a session of Credit Reporting 101. We tackled Credit Scoring 101 in July; now let's take on the fundamentals of the credit reporting system. From the big three ... Read more

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WHO HAS ACCESS TO MY CREDIT REPORT?

Anyone with a "legitimate business need" can gain access to your credit history, including: Those considering granting you credit. Landlords. Insurance companies. Employers and potential employers (but only with your consent). Companies with which you have a credit account for account monitoring purposes. Those considering your application for a government license or benefit if the agency is required to consider your financial status. A state or local child support enforcement agency. Any government agency (limited usually to your name, address, former addresses, current and former employers). Generally, only an employer or prospective employer needs your written consent to obtain a report. An exception is Vermont where any user needs your oral or written consent. In practice, most potential creditors ask for your permission to review your report. Your permission is not required when inquiries are made in connection with a pre-approved credit offer.

CHECK YOUR CREDIT REPORT/ CREDIT BUREAU AND REMOVE ANY ERRORS.

Keeping an eye on your credit is very important to ensure accuracy. Some companies neglect to properly report changes in account status. It's up to you to make sure your credit history is accurate.

WHAT IF I FIND ERRORS — EITHER INACCURACIES OR INCOMPLETE INFORMATION — IN MY CREDIT REPORT

Under the Fair Credit Reporting Act, both the consumer reporting company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the consumer reporting company and the information provider. Tell the consumer reporting company, in writing, what information you think is inaccurate. Consumer reporting companies must investigate the items in question — usually within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the consumer reporting company, it must investigate, review the relevant information, and report the results back to the consumer reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide consumer reporting companies so they can correct the information in your file. When the investigation is complete, the consumer reporting company must give you the written results and a free copy of your report if the dispute results in a change. (This free report does not count as your annual free report under the FACT Act.) If an item is changed or deleted, the consumer reporting ... Read more

Find Credit Facts

What's a credit report? A report of an individual's credit history prepared by a credit bureau and used by a lender in determining a loan applicant's creditworthiness. Credit reports are usually based on the individuals: credit history; who reviewed the credit history; information that has been given to the credit information company; specific identification information; and any explanatory notes and comments.

What is a credit score? A credit score is a number that lenders use to estimate risk. Experience has shown them that borrowers with higher scores are less likely to default on a loan. Scores are generated by plugging the data from your credit report into software that analyzes it and cranks out a number. The three major credit reporting agencies don't necessarily use the same scoring software, so don't be surprised when you discover that the scores they generate for you are different. Because the software used to calculate a vast number of reports was created by Fair Isaac Corporation (FICO), credit score reports are sometimes called FICO scores.