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Solving the Mystery of Credit Reports

Credit Bureaus

* 3 major credit bureaus
o Experian
o Trans Union
o Equifax
* Credit information is reported to bureaus
* Not all creditors report to all 3
* Regulated by Federal Trade Commission

Obtain Your Report

* Through the credit bureaus
o Fee for report
* Through Annual Credit Report Request Service
o Centralized service
o One free a year (more if fraud suspected)

The FCRA

* You must be told if information is used against you
* You may access your own file
* You can dispute inaccuracies
* Outdated information must be removed
* Access to your file is limited

How Long Will It Stay?

* Positive information can remain indefinitely
* Negative information 7 years from when first reported
* Chapter 7 bankruptcy reported for 10 years
* Collection accounts 7 years from date of charge-off

Credit Scoring

* FICO scores range from 300-850
* Score is based on several factors

My be you need full description for Solving the Mystery of Credit Reports, you can download this Solving the Mystery of Credit Reports or online view this Solving the Mystery of Credit Reports document. This Solving the Mystery of Credit Reports powerpoint presentation available from category Free Credit Report. Download Seminar Paper Powerpoint Presentation Solving the Mystery of Credit Reports PPT slide and get information about Solving the Mystery of Credit Reports.

Tags: chapter 7 bankruptcy, credit report request, creditors report, federal trade commission, major credit bureaus

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