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Frequently Asked QuestionsHow do I request a "fraud alert" be placed on my file?You have the right to ask that nationwide consumer credit reporting companies place "fraud alerts" in your file to let potential creditors and others know that you may be a victim of identity theft. A fraud alert can make it more difficult for someone to get credit in your name because it tells creditors to follow certain procedures to protect you. It also may delay your ability to obtain credit. You may place a fraud alert in your file by calling just one of the three nationwide consumer credit reporting companies. As soon as that agency processes your fraud alert, it will notify the other two, which then also must place fraud alerts in your file.
An initial fraud alert stays in your file for at least 90 days. An extended alert stays in your file for seven years. To place either of these alerts, a consumer credit reporting company will require you to provide appropriate proof of your identity, which may include your Social Security number. If you ask for an extended alert, you will have to provide an identity theft report. An identity theft report includes a copy of a report you have filed with a federal, state, or local law enforcement agency. For more detailed information about the identity theft report, visit www.consumer.gov/idtheft. What is a credit file disclosure or a credit report?A credit file disclosure, commonly called a credit report, provides you with all of the information in your credit file maintained by a consumer reporting company that could be provided by the consumer reporting company in a consumer report about you to a third party, such as a lender. A credit file disclosure also includes a record of everyone who has received a consumer report about you from the consumer reporting company within a certain period of time ("inquiries"). The credit file disclosure includes certain information that is not included in a consumer report about you to a third party, such as the inquiries of companies for pre-approved offers of credit or insurance and account reviews, and any medical account information which is suppressed for third party users of consumer reports. You are entitled to receive a disclosure copy of your credit file from a consumer reporting company under Federal law and the laws of various states.
How do I start my do-it-yourself credit repair program?Am I entitled to a free credit report under state law?The following states have laws that make free credit reports available to consumers: Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey and Vermont. as well as the standard Annual Free Credit Report.com How often can I request a free credit report through this website?You are entitled to receive one free credit report every 12 months from each of the nationwide consumer credit reporting companies – Equifax, Experian and TransUnion. This free credit report can be requested through this website, by phone or by mail.
Should I order all my credit reports at one time or space them out over 12 months?You are entitled to receive one free credit report every 12 months from each of the nationwide consumer credit reporting companies. ALthough it is entirely your choice,
There are many people out there who are unaware of what their credit score is or how much it already could be affecting their wallet or could in the future if habits are not changed. Lenders have been using your credit report score in determining whether or not to grant you a loan and to calculate your interest rate for some time now. The loan officer knows what a powerful tool for predicting future behavior the credit score can be and has proved over and over again to be.
Credit scores measure risk through mathematical calculations, using statistical research to view each consumer. FICO, which is the most widely used credit-score formula was created by Fair Isaac. FICO scores are now often requested for such simple applications in categories such as cell phone providers, utilitility companies, landlords and even prospective employers. It seems that your credit score can affect a lot more than just getting that low interest rate on that all important home or auto loan. How else can I request my free annual credit report?If free credit reports are available in your state through the Annual Credit Report Request Service, you can request a free annual credit report by phone or mail and it will be mailed within 15 days. How can I provide a suggestion or complaint about the Annual Credit Report Request Service or this website?
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Where can I find information on disputing or correcting information in my credit file?Please contact the nationwide consumer credit reporting company that provided the credit report. They have all of the forms and paperwork necessary.
Equifax - www.equifax.com Experian - www.experian.com TransUnion - www.transunion.com How can I exclude my name from all of the consumer credit reporting lists for unsolicited credit offers?You may request that consumer credit reporting companies exclude your name from lists for pre-approved, unsolicited credit and insurance offers. To find out more, please call: 1–888–5OPTOUT (1–888–567–8688) What is a credit score?By comparing the history and background of one individual against the background of thousands of other consumers with financial situations and payrates that are similar, one can better predict the outcome of a loan offer made to this individual. It is easier to predict future habits based on the person's ability in their past and see whether it is likely that debt will be managed well and repaid in the agreed upon time. The mathematical system used by credit scoring systems has proven to lenders that it can be a strong predictor of one's future ability to repay their credit or debt to an individual company. The system created was designed to place more emphasis on history and less emphasis on individual statistics, which are variable. Where do I get my credit score?You can purchase a credit score by contacting one of the consumer credit reporting companies.
Equifax - www.equifax.com Experian - www.experian.com TransUnion - www.transunion.com You can also purchase a credit score when you request your free annual credit report through their website. What is the proper way to create a link to YourCreditScoreSecrets.com?How do I contact the Federal Trade Commission (FTC)?Federal Trade Commission |
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