Credit Report & Score
Related Information

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

What is an inquiry?
An "inquiry" is a record of the name of a credit grantor, or authorized user who has accessed your credit file also known as credit report. Each inquiry is posted to the credit file so you know who and when has obtained a copy of it. No inquiry is po ...   More details

WHAT IS CONSUMER CREDIT REPORT.
Credit Report with Credit Score and Debt Analysis
 
A Single Credit Report is a snapshot of your credit history according to one major credit bureau. ...   More details

What is Credit Fraud?
It is possible for thieves to cheat you and the people who give you credit. They might steal your credit card and run up a big balance. The more serious damage however is done by using your personal information to obtain and use a credit card or lo ...   More details

What is debt-to-income ratio?
Debt-to-Income ratio is a widely used measure of financial stability. Your debt-to-income ratio is the percentage between monthly income and monthly long-term debt obligations.
 
It is calculated by dividing monthly debt minimum payments ( ...   More details

What is investigative Consumer Report.
Investigative consumer reports are detailed credit reports that involve interviews with your neighbors or acquaintances about your lifestyle, character, and reputation. They may be used in connection with insurance and employment applications. You'll ...   More details

What type of credit inquiry may damage credit score?
Question: "Avoid too many inquiries - inquiries are interpreted as a sign that you have been actively seeking credit and could overextend yourself or may be in financial difficulty."
 
This was quoted from your site. Does this mean that if ...   More details

When credit bureaus remove negative items from my credit reports.
There is no definite answer, as the time varies depending on the initial credit status of each customer. Using All Legal Credit eliminates the time invested in learning credit laws and drafting correspondence for the paper chase with the credit burea ...   More details

Where does a credit bureau get its information?
Credit Bureaus collect and organize information about you and your credit history from public records, your creditors and other reliable sources. ...   More details

Where does a credit bureau get its information?
Credit Bureaus collect and organize information about you and your credit history from public records, your creditors and other reliable sources. ...   More details

Who can see your credit report.
Credit card companies, companies who need information in order to make a decision about granting you a loan, your landlord, and your employer may see your credit report, in addition to doctors, dentists, insurance companies, lawyers, courts, and phon ...   More details