Credit Report & Score
Related Information

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

Who is eligible for a free credit report?
By Federal law, you are entitled to one free credit report per year directly from a credit reporting agency only if you certify that:
 
You are unemployed and seeking employment in the next 60 days ...   More details

Who watches your credit report?
June 2, 1999: 8:45 a.m. ET by money.cnn
 
Agencies you've never heard of are keeping tabs on your spending habits NEW YORK (CNNfn) - Safeguarding private financial information from major credit reporting agencies has always been somewhat ...   More details

Who's watching your finances?
June 2, 1999: 8:45 a.m. ET by money.cnn
 
These smaller agencies are distinct from the big three credit agencies in two primary ways. For one, the smaller bureaus generally only compile negative credit information. They'll keep track of wh ...   More details

Why 3-bureau credit report different from a single-bureau credit report.
The 3-bureau report includes your complete information from all 3 US credit bureaus – Equifax, Experian, & Trans Union. A single-bureau report contains your information on file at one of those 3 bureaus. ...   More details

Why does an account that has been paid still show with a balance on a credit report?
Most credit grantors report to repositories on a monthly or bi-monthly basis. Time requirements of creditors to report their data to the three major repositories widely vary. Time requirements that credit repositories have to add to a consumers credi ...   More details

Why is it important to check my credit report & credit score at all 3 bureaus?
When creditors, landlords, and potential employers check your credit history, they can pull your credit report & credit score from any bureau(s). Some only check 1 bureau; some always check all 3. By checking all 3 yourself, you’ll be prepared no ...   More details

Why is my score today higher/lower than it was yesterday?
Your credit score is calculated by taking a snapshot of your credit history at a particular point in time. Your credit score is a fluid number, and it changes as the elements in your credit report change. Slight variances in your score may be due to ...   More details

Will most lenders approve a loan or line of credit if the credit score is equal to or greater than 720?
The factors for accepting loans may be very different depending on creditor. Some creditors will only provide with loans to low-risk consumers; others extend loans to high risk consumers.
 
There are many different risk score models with d ...   More details

Will my credit score drop if I apply for new credit?
Yes, credit score usually lose a few points (up to 5 points) after your request new credit.
 
If you apply for several credit accounts within a few months, multiple credit requests for your credit report (called "inquiries") will appear on ...   More details

Will receiving my credit report through you appear as an inquiry on my credit report?
Anytime your credit report is pulled - including when you order a copy of your credit report directly from the credit bureau - an inquiry is added to your report. Inquiries added when you request a copy of your credit report or when an employer check ...   More details