I recently ordered my annual free credit report and just about jumped out of my skin initially as I reviewed the inquiries section– I didn’t recognize the half of them! Fortunately, the lengthy list of inquiries I didn’t recall were simply “soft inquiries”, and therefore not going to be included in calculating my credit score. [...]
Entries Tagged as 'Free Credit Report'
Understanding “Inquiries” on Your Credit Report
December 19th, 2008 · 1 Comment · Consumer Debt, Credit Bureaus and Scores, Credit Reports
Tags: credit·credit report inquiries·credit report scoring·dispute inquiries·Free Credit Report·hard inquiry·soft inquiry
Experian and Equifax now taking 45 days to investigate if you’ve EVER gotten a free credit report
April 23rd, 2008 · 1 Comment · Credit Bureaus and Scores
Under the FACT Act which passed in 2003, if a consumer pulls their annual free credit report to which they are entitled once a year, the credit bureaus have 45 days to investigate disputes rather than 30 days. Apparently, since it doesn’t specify which kind of time frame this can happen, it means FOREVER. This [...]
Tags: annualcreditreport.com·Dispute·Equifax·Experian·Free Credit Report·Investigate
