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TODAY'S CREDIT TIP  Your credit file may not reflect all your credit accounts. Although most national department store and all-purpose bank credit card accounts will be included in your file, not all creditors supply information to CRAs: Some travel, entertainment, ... Read more
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WHY DOES AN ACCOUNT THAT HAS BEEN PAID STILL SHOW WITH A BALANCE ON A CREDIT REPORT AND CREDIT BUREAU?

Most credit grantors report to repositories on a monthly or bi-monthly basis. Time requirements of creditors to report their data to the three major repositories widely varies. Time requirements that credit repositories have to add to a consumers credit report with new credit data also varies. The human factor between creditor and credit repositories may sometimes take weeks or several months to update their data. (Example: on an average a credit report reports balances approximately 30-60 days behind.)

DO THE CREDIT REPORTING COMPANIES OWN THE INFORMATION ON YOUR CREDIT REPORT?

No. But, you do not own the information either. It is owned by the individual merchant or creditor who put it there.

OBTAIN A COPY OF YOUR CREDIT REPORT

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
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.
Equifax
P.O. Box 740241
Atlanta, GA 30374
www.equifax.com

Experian
PO Box 2002
Allen, TX 75013
www.experian.com

TransUnion LLC
P.O. Box 1000
Chester, PA 19022
www.transunion.com
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