EXPERIAN
XPN1, XPN2.....are reports from the credit reporting agency Experian EFX1, EFX2.....are reports from the credit reporting agency Equifax 1 and 2 most likely identify you and your spouses individual report with a combined rating for certain types of credit.
The Credit Rating Agency is a hub that gathers data from creditors and puts the data together into a single individual consumer credit report. Lenders use there reports in order to determine a borrower's credit worthiness.
An instant credit report will almost always cost you money. Depending on your circumstances and how quickly you need this credit report, it may be more worthwhile to send an application to a proper credit reporting agency. There are several instant credit report companies on the Internet and they are not always certified. You may equally be able to get an instant credit report from a proper credit reporting agency. This may come by fax or e-mail. It is not a very common practice to obtain instant credit reports more than once.
No
You can obtain all 3 of your credit reports from the "Annual Credit Report" website at no cost.
XPN1, XPN2.....are reports from the credit reporting agency Experian EFX1, EFX2.....are reports from the credit reporting agency Equifax 1 and 2 most likely identify you and your spouses individual report with a combined rating for certain types of credit.
The Credit Rating Agency is a hub that gathers data from creditors and puts the data together into a single individual consumer credit report. Lenders use there reports in order to determine a borrower's credit worthiness.
An instant credit report will almost always cost you money. Depending on your circumstances and how quickly you need this credit report, it may be more worthwhile to send an application to a proper credit reporting agency. There are several instant credit report companies on the Internet and they are not always certified. You may equally be able to get an instant credit report from a proper credit reporting agency. This may come by fax or e-mail. It is not a very common practice to obtain instant credit reports more than once.
No
You can write to each of the 3 credit agency's individually and request your report. However, the easiest way is to go to www.annualcreditreport.com and access your reports that way. The law requires they provide you with one free report every 12 months.
Credit reports are created at the federal level not state. You are allowed one free a year from each reporting agency.
Most online credit reports are accurate. However, if you receive a copy of your credit report and there is a decrepancy, call or write the credit report company to get this corrected.
Addresses are kept on credit reports as a record of residence. These are not your primary address, and can not be removed. If it is incorrect or has never been your address, then you can have it removed by contacting the credit reporting agency. So, if you have in fact lived at one of the addresses, it is on your credit report to stay.
You can obtain all 3 of your credit reports from the "Annual Credit Report" website at no cost.
If you are not a company that reports unpaid debts to the credit bureau's, you can turn the debt over to a collection agency who does report. The other way is to obtain a judgment against them and it will automatically be reported by the courts.
Yes, it goes by your social security number. In addition, that wrong address will probably show up on at least one of the reports.
Equifax credit reports are available directly from the Equifax website, via the link "Get my free annual credit report." It is also possible to purchase a tri-merge credit report from Equifax or other bureaus; this report consolidates data from multiple credit reports (including Equifax's).