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What Is a FICO Credit Report?

What Is a FICO® Credit Report? A credit report is a record of your credit activities. It lists any credit-card accounts or loans you may have, the balances, and how regularly you make your payments. It also shows if any action has been taken against you because of unpaid bills.

 

Credit Bureaus Information

Where Do the Consumer Reporting Agencies Get Their Information?
Credit bureaus collect information from parties that have previously extended credit to you, such as a department store that issued you a credit card or a bank that granted you a personal loan.

Who Decides whether or not to Grant You a Loan?
The lenders themselves make the decision about whether or not to grant you credit. The credit-reporting companies only supply the information about your credit history.

Why Should You Obtain a Copy of Your Credit Report?
To avoid any unwelcome surprises, it's important to see a copy of your credit report before you apply for credit such as car loans, mortgages, or credit cards. Errors in credit reports can be common. Keep in mind, however, that they are not part of a conspiracy against you. They are simply the result of human error.

   

Lender Denied Credit

Denied Credit because of Something in Your Credit Report?
The lender who denied you credit must give you the name and address of the credit bureau that produced the credit report. Then, you have up to 30 days to request a free copy of your report.

The credit bureau must tell you the nature and substance of all information contained in your report. It must also tell you the sources of the information and who has received your report for the previous six months (two years for reports furnished for employment purposes).
   

The Three Major Credit Bureaus

To contact the three major credit bureaus:

    Equifax
    P.O. Box 105873
    Atlanta, GA 30348
    http://www.equifax.com
    (800) 685-1111

    Trans Union
    Consumer Disclosure Center
    P.O. Box 1000
    Chester, PA 19022
    http://www.transunion.com
    (800) 916-8800 or (800) 888-4213

    Experian (formerly TRW)
    P.O. Box 2104
    Allen, TX 75013-2104
    http://www.experian.com
    (888) 397-3742
   

Consultas Gratis 1-866-647-3383 Tel: 1-866-MIS-DEUDAS

Deuda de Impuestos Debe mas de $10K al IRS Tel: 1-844-CONSEJO