Tim Gorman asked: The Fair Credit Reporting Act (FCRA) and Fair and Accurate Credit Transaction Act (FACT) give all individuals the opportunity to receive a free credit report. Generally, you can request a free credit report once per year. These reports are requested from the three major credit bureaus who report on all activity regarding [...]
temptedlonging asked: I was recently denied a credit card. The letter they sent had three reporting companies. Under reasons for denial they listed… “Based on the credit report from _____ for *me*, credit bureau information is missing or unavailable” it said this three times – one for each company. What does this mean?Sharon
John Mcfadden asked: Your credit history report is one of the key ingredients that many companies take into account when deciding whether to offer you any type of credit. By not knowing what is on your report, you are basically flying blind when it comes to dealing with these companies.A consumer’s credit history will take [...]