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Certain pieces of personal information cannot be in your credit report:
Medical information (unless you give your consent).
Bankruptcy remains on your credit report for ten years. The only exception is a Chapter 13 bankruptcy that requires you to ... Read more |
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Top Credit Report Tips from AskMrCredit.com
What is the Fair Credit Reporting Act (FCRA)?The FCRA is designed to promote accuracy and ensure the privacy of information used in consumer reports. Recent amendments to the Act expand your rights and place additional requirements on CRAs. ...Read moreGetting your credit reportIf you’ve been denied credit, insurance, or employment because of information supplied by a CRA, the FCRA says the company you applied to must give you the CRA’s name, address, and telephone number. ...Read moreHow much does a credit report cost?Each credit bureau may charge you up to $9.00 for a copy of your report. However, you are entitled to one free report a year if you can show that: your report is inaccurate because of fraud; you're ...Read moreReading credit reportsReading credit reports on a regular basis helps you track your credit history more accurately. While reading credit reports, if you find an error, the Fair Credit Reporting Act requires credit report ...Read moreWho decides what goes in your credit reports?Many people are surprised to discover that the information on your credit reports
doesn't actually originate with the credit bureaus at all. In reality, the credit
bureaus function more like ...Read moreHow do I correct wrong or incomplete information in my credit report?The FCRA gives you the right to dispute inaccuracies or omissions, and it requires credit bureaus to investigate your complaint (generally within 30 days), send you a prompt response and correct any ...Read moreTop 5 Credit MisconceptionsTop 5 Credit Misconceptions
We have all heard the rumors…from neighbors, relatives or friends. There are a wide variety of myths floating around about what you should and shouldn't do to ...Read moreHow do i correct inaccurate information on my credit reports?The Fair Credit Reporting Act (FCRA) establishes procedures for correcting mistakes on your credit record and requires that your record be made available only for certain legitimate business needs. ...Read moreWhat information is included in my credit report and credit bureau?Your personal credit report contains:
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 ...Read moreDispute your credit reportFirst, tell the CRA in writing what information you believe is inaccurate. Include copies (not originals) of documents that support your position. In addition to providing your complete name and ...Read more << Prev 10 Facts  |  Next 10 Facts >> Showing 11 to 20 of 178 Facts
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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. |
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