Zach Ford asked: Because of recent laws passed by the Federal Trade Commission, all major credit reporting agencies in the United States, including Equifax, TransUnion, Experian (formerly TRW), are required to provide consumers (that’s you!) with a totally free copy of their credit reports, if requested, up to once every 12 months. This means that [...]
Tony Banks asked: Collection accounts on any of your three credit reports can cause serious problems when it comes time to use your credit rating to make a big purchase such as a car or home. Some lenders will take a look at just one of your three reports but most want to see the [...]
china asked: I’ve got a negative credit item that is preventing me from obtaining new credit but it’s only showing up on my experian credit report. My equifax report is pretty clean. Is there any particular credit card companies that use equifax not experian (i’ve found that credit card companies consistently use just one of [...]
dollydaydream22 asked: I was really stupid with money when i was younger and had about £5000 debt. I’m now 25 and only owe £380 of that now but tried to open a current account with my bank other day and they declined me. Was told to ring equifax and request my credit report tried to [...]
Jay Delgado asked: There is no doubt that your credit report contains a lot of information that can have a direct impact on your lifestyle. It is also true that other people are reviewing your credit file and making judgments about you and your ability to repay. What do they see? Should you be at [...]