Credit Report & Score
Related Information

OUR LEGAL INFORMATION WILL HELP YOU TO BETTER UNDERSTAND A YOUR CREDIT REPORT AND CREDIT SCORE ISSUES.

How much is bad credit costing me.
Thousands and thousands of dollars! Any amount of bad credit is devastating to your chances for credit approval. In fact, most credit grantors never personally look at your credit report. It's an automated process in which a computer decides whether ...   More details

How often I check my credit report.
Since your credit report plays a major role when you apply for a credit card, auto loan, mortgage, employment screening, utilities deposits and insurance, it is to your advantage to know what is on your credit report before applying for credit or a l ...   More details

How to build/rebuild a good credit score?
If you do not have an established credit history, or wish to improve your past credit history, there are several steps you can follow to build or improve your credit worthiness. The first step is to understand your credit report, and what it says abo ...   More details

How to correct inaccurate or incomplete information in credit report.
The law makes both the CRA and the information provider responsible for correcting inaccurate or incomplete information in your credit report.
 
First, tell the credit report agency in writing what information you believe is inaccurate. Cr ...   More details

How to prevent credit fraud.
There are several ways for someone to get your credit card information. They may get it from the card itself, find it on receipts or monthly statements you've thrown away, steal it from your mailbox, or get it through an Internet- or telephone-based ...   More details

How to you use your credit report.
You can correct errors. Imagine that you are punctual in your payments, but for some reason one is reported as late. The Fair Credit Reporting Act requires that both the credit bureau and the reporting business correct mistakes or incomplete informat ...   More details

How Webs of Scammers Pull Off Internet Fraud
"I have...PayPal [and] eBay logins...I wanna trade," said C-Power in an Internet chat room last week, talking to anyone who would listen. "Serious traders [contact] me for a legit trade."
 
If, in the early days, phishing scams were one-pe ...   More details

I am a victim of credit fraud. What Can I do?
You need to contact each of the three credit bureaus (Experian, Equifax, TransUnion). They are very helpful. You can call them 24/7. ...   More details

I do not have a credit card. How can I obtain a credit report?
You cannot obtain a credit report online without a credit card since companies use your credit card for verification purposes that you are really "who" you are claiming to be. ...   More details

Identity mix-up.
Does somebody in your household have the same name as you, such as a Jr. or III? Check your credit report carefully to make sure their accounts don't wind up on your file, or vice versa. It happens! ...   More details