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Credit Reports --
FAQ's about credit reports |
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| credit reports - fair credit reporting
act - trans union - experian - equifax |
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Things You Should Know About Your Credit
Report |
| What
will my credit report show? |
| Your credit file
(credit reports) will show your identifying information
including your current and previous addresses and
employment. It will also reflect the activity of
any credit cards, loans or public record that have
been reported by your creditors or courts. Information
may stay on a credit file for at least 7 years from
the date you last used the account. |
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| What
is the fastest way to get my credit report? |
| You may obtain your credit reports now on the
internet by entering specific identifying information
and passwords to ensure that only YOU can receive
your credit information. The report is then returned
back to you immediately. You can also contact
us directly using the attached link and we can
help you obtain your file by mail. |
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| Does
my credit report come with credit scores? |
| Yes, if you choose
to have one. Your credit scores are based on the
content of your credit reports and rates you based
on the population of where you stand in general
and it also will specifically define and analyze
your credit scores with what you have personally
in your file. |
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| If
I just got married, should I use my new married name? |
| Your credit reports
are based on information reported in your name,
address and social security number. If you have
not yet established credit using your married name,
you may want to use your maiden name to access your
credit reports. However, you could put your maiden
name in the middle name field and your file may
still be located based on your address and social
security number. If you have also recently moved,
make sure you add in your previous address so that
your file can still be located. |
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| Will
my spouse’s information be on my credit report? |
| No. Your credit reports are exactly
that - YOURS. You may have some joint accounts you
share with your spouse, or other family, and they
should show on your file because you share responsibility
for them. |
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| Can
I get my spouse’s credit report? |
| No. Only the individual requesting
the information will be able to access their unique
file. To obtain another person’s credit information
is against the law. The password and authentication
system used to access credit reports will prevent
this from happening. |
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| When
should I order my credit report? |
| Your best time to obtain your credit
reports is before making a major purchase, such
as a house or car, to make sure there are no discrepancies
on your file to stop you from obtaining credit.
If you do not apply for credit on a regular basis,
you may want to obtain a copy of your file every
couple of years to make sure everything is in order. |
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| What
do I do if there is a mistake on my credit report? |
| If you have received a copy of your
file and there are things you want checked, you
will need to contact your creditors involved and
also contact the national reporting agencies. |
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| Which
credit agency is the best one to get my file from? |
| Many of the nationally known banks
and department stores will report to all three credit
reporting agencies. However, some of your creditors
may only report to one or they may choose not to
report to any. All three credit reports have information
unique to them so it is difficult to indicate the
“best” one. Many lending institutions
will choose all three credit reports in order to
get the “best” credit picture of you. |
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| * These online applications are subject
to the terms and conditions as described in the Important
Information Section of the individual applications. |
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