Asked Questions Concerning Credit Reports
Will obtaining a copy of
my credit report lower my score?
Absolutely not. When you obtain a copy of your
credit report the credit reporting bureaus can distinguish
that you are not a creditor seeking information about
your history therefore it has no effect on your credit
should I check my credit report?
This varies on the individual but you should
review it at least once per year. If you have been a
victim of identity theft or disputing inaccuracies on
your report(s) you should check each one approximately
every 90 days.
I was turned
down for credit recently and don't know what to do next.
If you were turned down for credit you should
have received a credit denial letter from the creditor
(if you did not receive it you should ask for one) which
entitles you to a free copy of your credit report. Once
you get a copy of your credit report take time to review
it and make notes of any inaccuracies. Once you have
found mistakes on your report find any documentation
which supports that it is a mistake and dispute them
to each reporting agency.
What is the
difference between the single bureau report and the
3 in 1?
The single bureau report allows you to pull only one
credit report whereas the 3 in 1 is all 3 credit reports
in 1 detailed report. The 3 in 1 report is the better
value and gives you more insight into what all 3 bureaus
I was asked
to provide credit authorization for a job. Is this legal?
If you authorized the potential employer to
check your credit then it is legal. More and more employers
are using credit reports as a part of their hiring process.
How do I
obtain a copy of my credit report?
Here - Then pick which report you would
like to obtain.