Credit Report & Score
Related Information

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

Before buying a home - 2.
Credit scoring.
 
A home loan requires a solid credit rating. Considering that a mortgage is probably the single largest loan that an average person will take out in their life, lenders have established certain criteria for choosing mortga ...   More details

Before buying a home - 3.
Changes to your credit profile.
 
Once a home loan takes place, it can dramatically change some credit dynamics. A mortgage is a large loan, and may impact things like your debt-to-income ratio in the first years of the loan. On the other ...   More details

Before buying a home - 4.
A 3-bureau online credit report can provide the information you need
 
The 3-Bureau online credit report includes comprehensive information that can help you prepare for your mortgage application process. Most mortgage lenders pull all thr ...   More details

Beware of Scams
Large and small businesses fall victim to a variety of scams perpetrated by Internet con artists. These fraudsters use masked Internet Protocol (IP) addresses, high-jacked computers, phony addresses, and bogus companies to defraud U.S. businesses and ...   More details

Building good credit history takes time
If you wish to build a good or perfect credit history prepare to wait at least 3 to 7 years.
 
The credit history with less than 3 years is considered new. ...   More details

Call the fraud units of the three principal credit reporting companies.
Equifax: To report fraud, call (800) 525-6285 or write to P.O. Box 740250, Atlanta, GA 30374-0250. To order a copy of your credit report ($8 in most states), write to P.O. Box 740241, Atlanta, GA 30374-0241, or call (800) 685-1111. To dispute i ...   More details

Can I see somebody's credit report?
You, as an individual may not obtain a credit report on another individual unless you have a legal reason and a permission from that person to do so. Valid reasons include those that require credit information for business decision such as renting ho ...   More details

Change your credit report.
Since credit bureaus compile the information they receive from merchants, only the credit-granting merchant can make changes, by sending new information directly to the credit bureau. So contact the merchant or lender if you have a dispute. And don't ...   More details

Check your financial information (credit report) regularly.
If you have bank or credit card accounts, you should be receiving monthly statements that list transactions for the most recent month or reporting period.
 
If you're not receiving monthly statements for the accounts you know you have, cal ...   More details

Checking credit report online.
In order to acquire your credit report online, you'll be asked for some "out-of-wallet" information--things that could not be known by a thief who stole your wallet. It may be the amount of your monthly mortgage payment or auto loan.
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