Archive for February 2009

Free Instant Credit Report

Isabel asked: What is a Free Instant Credit Report?Some may know that credit report is actually your credit history. It contains the data collected from various sources by the credit bureaus. Credit report gives detailed information about financial position in your business life. This report also reflects your late credit payment. Hence it’s very important [...]

Where is the best place online to get free credit reports without paying or getting sucked into a scam?

ApacheJack asked: I am entering the market to buy a house and I want to make sure my credit report is accurate before I need to apply for a loan. I know there are companys like freecreditreport.com but you have to sign up for them and then you have to cancel before you get billed. [...]

How do I find list of creditors from 6 years – 12 years ago, no longer on credit reports?

peggy m asked: I am filing bancruptcy for high medical bills and my lawyer needs a list of creditors from when I had first started going into debt. I don’t remember all the hospitals and doctors and some of the ones I do remember are not on the credit reports. How do I find them [...]

What Is A Credit Report

Geoff Hibbert asked: A credit report is a history of your payments, not just a snapshot of where you are at the moment, says Maxine Sweet, vice president of public affairs for Experian, one of the three major credit reporting agencies.A credit report is a crucial document that reflects your credit status. A credit report [...]

Account Number Morphing – Still Another Barrier to Accurate Consumer Credit Reporting

Robert F. Brennan, Esq. asked: The Federal Credit Reporting Act ["FCRA"] makes it mandatory for Credit Reporting Agencies such as Experian, Equifax and Trans Union “to follow reasonable procedures to assure maximum possible accuracy of the information in the [consumer's credit] report….” A willful and negligent failure to do so is violation number 1 of [...]