Credit Reports

How many credit report agencies are there in the US?


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2010-03-08 23:35:15
2010-03-08 23:35:15

There are three main ones and about 15 others: Beware some of these are scams. Stick with the three main ones, companies that are are foolish enough to not you don't need to be having check your credit.

In the United States there are three main credit reporting bureaus. The major bureaus are for reportiong credit are Experian, Equifax and Transunion.

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US based credit reporting agencies Experian, Transunion and Equifax operate in the UK. You bad credit rating in the US woul dbe visible to UK vendors who run a report on you through these agencies.

The three major credit reporting agencies in the US are Equifax, Experian, and Transunion. Most credit information will be reported to all three agencies. However, sometimes information will be found on only one report.

Many companies, like freecreditreport, experian, and transunion offer a free credit report when you enroll in a credit tracking service. US citizens are entitled to one free credit report per year, which can be accessed by filling out the Annual Credit Report Request form.

CRA's in the US, report the credit history of transactions made only in the US. Therefore credit history from another country would not show up on a report in the US. This does not prevent a prospective creditor from requiring confirmation of the person's previous credit history.

No, income isn't reported to the credit bureaus. Only credit history shows up on a credit report, so your credit score shouldn't be affected at all.

There is no such entity as a credit rating agency. Credit reporting agencies, as defined by the Fair Credit Reporting Act, as paid by their participants,(merchants, lenders and other credit grantors), who pay fees to both report to, and pull credit from, the CRA's. By law, CRA's can also currently charge a nominal fee to consumers for copies of their credit file. The FCRA was amended last year to allow consumers one free credit report per year. But, the bureaus received relief from this provision. Free credit reports will be "rolled out" by sections starting with the western US as of Dec 1, 2004. March 1, 2005 for the Midwest US June 1, 2005 for the Southern US September 1, 2005 for the Eastern US and Territorities is the only authorized site to receive your free credit report under US law.

some banks will use the foreign credit report to base their loan decission. But you can not transfer that to an US based credit report.

Research has shown that there are three main credit reference agencies in the US. These are Equifax, Experion and Callcredit. One can find information regarding these agencies on the Money Saving Expert website.

how many advertising agencies exist?

Just go to annualcreditreport. This is a service of all 3 major credit bureaus, due to the US FACT act.Other websites may also offer special promotions in which you can receive a free copy of your credit report.

They can be a great idea. Credit repair is something you can do for yourself for free, however it can be time consuming. If you feel you do not have the time or patience to do it yourself, or that your time is better spent doing other things, then hiring a credit repair agency to do the work for you makes sense. After all, we can change the oil in our vehicles, but how many of us out of conveniece take the vehicle into a mechanic to do it for us? Credit repair agencies are great for convenience.

As your credit report may not follow you from the US to Canada, you can probably move there and become debt free. Moving back, thou, to the US may be difficult if you are trying to obtain credit as your credit report may have to be accessed and the unpaid accounts may show up.

Yes, each of the three major US credit unions (Transunion, Equifax, and Experian) are required by law to provide one free credit report to US citizens each year. You can either mail in the credit report request form provided by the FTC (Federal Trade Commission) or you can request the credit report online via a website set up by the FTC.

There are over 800 advertising agencies in the U.S. :(

GECRB/TYDC is Toys R Us through GE Credit Bank

Free credit report is a great place to get a free instant credit report. I have found that they are not as detailed as some reports that you pay for can be, but this company showed us that I had a bad mark on my credit from years ago that I didn't even know about and I was able to take care of it.

From the Federal Trade is the ONLY authorized sourceto get your free annual credit report under federal law.The Fair Credit Reporting Act guarantees you access to a free credit report from each of the three nationwide reporting agencies - Experian, Equifax, and TransUnion - every twelve months. The Federal Trade Commission has received complaints from consumers who thought they were ordering their free annual credit report, but instead paid hidden fees or agreed to unwanted services. Don't be fooled by TV ads, email offers, or online search results. Go to the authorized source when you request your free report. You can request your free report online, by phone or by mail. Visit, call 1-877-322-8228, or fill out the Annual Credit Report Request form and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. No matter how you request your report, you have the option to request all three reports at once or to order one report at a time. By requesting the reports separately, you can monitor your credit more frequently throughout the year.File a Complaint -The FTC wants to hear from you if you paid for what you thought was your free annual credit report.SPAM - The FTC also wants you to forward us any unsolicited emails you've received offering you a free credit report. Send them to Refer to links below

It is my understanding that it takes 7 years for a bankruptcy to cease to appear on a credit report. I do not know if this global, but this is the case in Canada. Your bank will know the answer to this for your region. ie; if you ask them for a credit card or loan - they will generally look up your credit history and then advise you when you should apply. In the US it's 10 years...and actually credit agencies may prepare information reports for subscribers that are for longer periods. The court record maintains much longer. But if it's over 10 years...ask the agency to update their report please.

Everyone in the US is entitled for a free annual credit report. you can view yours by ordering one online, through a government website or by calling 877-322-8228.

Credit Reporting Agency, Request for Report(Download)Date:Name:Social Security Number:Date of Birth:Address:Dear Sir or Madam:Please send me a free credit report because I was turned down for credit within the last 30 days, according to the enclosed letter.Please send the report to me as promptly as possible to the above address on the letterhead in order for me to get my credit file up to date.Thank you in advance for your prompt attention to this matter.Best regards,______________Name of RequestorThree Major US Credit Reporting AgenciesEquifaxP.O. Box 740256Atlanta, GA 30374-0256800-685-1111Trans Union CorporationP.O. Box 34012Fullerton, CA 92634-4012714-738-3800TRW - NCACP.O. Box 2106Allen, TX 75002-2106800-422-4879cc Credit Rejection Notice Based on Credit Agency ReportCredit Reporting Agency, Request for ReportReview ListThis review list is provided to inform you about this document in question and assist you in its preparation. You are entitled by law to a free credit report from the agency or agencies used by a creditor that turns you down for credit, as long as you request the report within 30 days of rejection. Therefore, your best response to a turndown is to write immediately to the credit-reporting agency and get a copy of the credit report.There are three major credit agencies and they are listed on the above letter in a “cc” format so you can send the request to all three at the same time. These agencies change their policies from time to time. On occasion, one or more of them have made it a standard practice to send a consumer a free report if requested no more than once a year. Therefore, you are advised to try for the report for free. If you must pay for it, the charge will be $15 or less.Credit reporting has become increasingly accurate over the last decade as computer systems have become more powerful and the data entered and updated, more accurate. Nevertheless, you are advised to get a copy of your report so you can dispute any bad credit reports that are false. This approach can only help your situation and in no way damage it.Note: If you want a report, and were not turned down, simply write or call for a report and ask them to bill your credit card for the charges.

yes. contact the credit bureaus and learn how to set up an account and do the reporting. You can help us all. You should have done this before you rented or sold and gotten a credit report then.

There are many services that will check your credit report and credit scores. Your bank may perform this service or you can Google for a comparison of all the major credit score reporting services. Be sure to read the all the details regarding these services as they all (even those labeled FREE) do involve payment or enrollment in the service. The highest rated and most comprehensive services are Identity Guard, Equifax, and Credit Check Total. Most people don't know that they are legally entitled to one free copy of their credit report every year. There are 3 major credit bureau agencies in the US. They are Experian, Trans Union and Equifax. All you need to do is look on the internet and find their contact information and request your copy. It is very easy.

In the US, a bankruptcy will remain on your credit history for seven years, minimum. Creditors may seek to re-add the BK information on your credit report, even after the seven years.

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