Credit Reports -- FAQ's about Credit Reports |
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| What will my credit reports show? |
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| 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 report? |
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| 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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| Do my credit reports come with credit scores? |
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| 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? |
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| 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 report? |
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| 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 report? |
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| 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? |
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| 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 year or so make sure everything is in order. |
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| What do I do if there is a mistake? |
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| 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? |
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| 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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