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Keyword Search Results

Fcra

1. Helpdesk: Obtaining your credit report
   The Fair and Accurate Credit Transactions (FACT) Act entitles you to a free copy of your credit report every 12 months. Each of the three major credit bureaus (Equifax, Experian and TransUnion) are required to…
2. Helpdesk: Free credit reports
   To order your free annual credit reports with no obligation to purchase other services, go to www.annualcreditreport.com. Freecreditreport.com is a website run by the credit bureau Experian. It is…
3. Helpdesk: Credit scores
   A credit score is an evaluation tool that reduces the information in your credit report to a three-digit number that helps lenders make quicker decisions. Credit scores help businesses predict which applicants are likely to…
4. Helpdesk: Negative credit report information
   Negative information related to late payments remains on your credit report for seven years. A foreclosure remains on your report for seven years from its filing date, but its impact on your credit score will…
5. Helpdesk: Improving your credit score
   Here are some tips for improving your credit: Pay your bills on time. Paying an account late is better than never paying it at all. A payment that is 60 days late is worse than…
6. Helpdesk: Fraudulent credit accounts
   Your first step should be to obtain a police report. Next, fill out the ID Theft Affidavit offered by the Federal Trade…