Who Can See Your Credit Report?
Under section 604 of the FCRA (15 U.S.C. section1681b), only certain people may access your credit report for certain specified…
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Where Does The Information Come From?
Let’s talk about where the information on your credit reports comes from. Although the information may come from many places,…
What Types Of Information Are In A Credit Report?
Credit reports are not always easy to read. The truth is, the credit bureaus want it like that. The less…
The Difference Between Collections and Charge Offs
Whenever someone goes 180 days late on any open account, it moves to a status called “charge off”. This means…
What’s Not Included In Your Credit Report?
Contrary to popular belief, your credit report does not contain information about your checking or savings accounts, your race, religion,…
What’s Included In Your Credit Report?
Accounts/Trade Lines: This includes credit cards, auto loans, mortgages, real estate, installment loans and revolving debt like department store cards. The…