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Credit Report Articles

You want to see your credit score, but you don't know which online credit report and/or monitoring package you should buy. Fear not! We've done all the homework for you. See our complete comparison chart.

Free Credit Reports

• Getting and Reading Your Credit Report Yes, you can get it for FREE.


• Annualcreditreport.com You can request a free credit report from this site which is sponsored by the three credit bureaus.

Credit Reports - General Information

• Who Can Pull Your Credit Report? Find out what entities can legally pull your credit report and who can't.


• E-Oscar The computer who handles your credit disputes.


• How Do Collections Get on My Credit Report? Learn the steps taken by creditors to get a collection on your credit report.


• What is a Charge-Off? A creditor may show your account as a charge-off but you still owe them money.


• What Information Should I Provide When Requesting a Report or Disputing an Item on My Report? If you are requesting a report or filing a dispute, make sure to send them the appropriate information.


• How Long Do Negative Items Stay on My Credit Report? Every wonder how long a bankruptcy, charge-off or judgement will stay on your credit report? We have all that info for you.


• Can I Get an Account in Which I'm Only the Authorized User Off of My Report? See how to remove an authorized user account from your report.


• Decoding and Interpreting Your Credit Report Now that you have your report, let us show you how to read it and what it all means to you.


• Risk Factor Reason Codes Lenders look at these risk factors to determine your credit worthiness. Here is a chart to interpret these codes.


• Who is Responsible for Correctly Reporting Your Credit History? Ever wonder how all the information gets on your credit report - we will let you in on all their secrets.

Credit Bureaus and Credit Reporting Agencies

• 100 Word Statement Should you provide this statement to the credit bureaus to explain away a negative item on your credit report?


• Contact Information For the Big Three Credit Bureaus Here is the all contact information for Equifax, Experian, and TransUnion.


• Credit Reporting Agencies This article explains who these agencies are and how they come up with your credit score.


• What to do if a Credit Bureau Refuses to Investigate If you disputed a negative item on your report and they refused to investigate it, we will show you how to agressively pursue the matter.


• Other Credit Bureaus - More Than Just the Big Three There are more information gathering bureaus than just the big three.


• How the Credit Bureaus Investigate Your Disputes See how the credit bureaus are suppose to investigate your dispute.


• Opinion Letters From the FTC Concerning the Fair Credit Reporting Act Interesting Reading!