Where can I get my credit score?
Unlike your credit report, which you can get at no cost to you, you usually have to pay for your credit score. There are certain instances in which you are entitled to your credit score for free, for example if ...
- Credit Reports and Scores
Credit Reports and Scores
What is a credit report? Why is it important? How is it different than a credit score? Ask CFPB these and other questions about credit reports and scores. Find your question by searching, or by browsing this complete list. Select topics on the side to narrow your results.
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When can a card issuer look at my credit report?
A card issuer can look at your full credit report when you apply for a credit card. If you are a customer of the card issuer, it can look at your credit report at any time.
How often can I request a free credit report?
You can request a free credit report from a nationwide credit reporting company once every 12 months. You can choose to request reports from the nationwide credit reporting companies all at once or one report at a time. By requesting ...
How do I get and keep a good credit score?
There are no secrets or shortcuts to building a strong credit score. Following these guidelines should help: Pay your bills on time, every time. One way to make sure your payments are on time is to set up automatic payments, ...
How long does negative information remain on my credit report?
A credit reporting company generally can report most negative information for seven years. Information about a lawsuit or an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. ...
How do I dispute an error on my credit report?
If you find something wrong with your credit report, you should dispute it. You may contact both the credit reporting company and the creditor or institution that provided the information. Explain what you think is wrong and why. TIP: To ...
What do I do if I think I have been a victim of identity theft?
If you believe you are a victim of identity theft, you should contact one of the consumer reporting agencies listed below to place a fraud alert on your credit report. You only need to contact one of the three credit ...
If I ask my credit card company to reduce the interest rate on my balance while I am on active duty, can that hurt my credit rating?
No. Under the law a lender cannot make an adverse credit report based on a servicemember’s exercising his or her right to get a reduced interest rate under the Servicemembers Civil Relief Act.
Who has a credit report?
Most adult consumers who have credit accounts have a credit report. There are also specialty reporting companies that compile and sell information about payday lending, check writing history, and other consumer credit activity. Whether you personally have a credit report ...
What should I look for in my credit report? What are a few of the common credit report errors?
Make sure your credit report contains only items about you. Look for information that is inaccurate or incomplete, such as accounts that do not belong to you, addresses of places where you did not live, names of employers you did ...
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