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Do you have the right to see your credit report for free if you have recently been turned down for something?
Yes. In the United States, if you are denied credit, you can demand to see a copy of the credit report that caused you to be denied.
HOWEVER, anybody can get a free copy of your credit report EACH YEAR, from EACH credit reporting agency. So you can get a free copy of your credit report every 4 months. Go to "annualcreditreport.com", pick one of the three credit reporting agencies (TransUnion, Equifax, and Experian) and start the application. I recommend that everybody make it a point to monitor your credit report every 4 months. I've set an annual reminder so that I can be sure to request my credit report regularly.
DO NOT simply search for "free credit report" on search engines; most of those sites will try to sell you a credit monitoring service for $15 bucks a year, for nothing more than you can get REALLY for free.
The only interesting thing that isn't included in your free annual credit report will be your "FICO Score", which is sort of the bottom line number that car dealers or mortgage lenders use to determine if you're credit worthy.
(FICO, or "Fair Isaacs Credit Organization", determined some of the original guidelines for credit worthiness.)
What else can I help you with?
Can you get a free copy of your credit report?
Yes you can. Consumer law states you can get one once a year from all three agencies and if you are turned down for a loan or credit. To get a credit report contact the reporting agency. I think you can order them on Credit Karma too.
Does a company have to tell YOU why they turned YOU down for credit?
Yes, they are bound by law to disclose why they turned you down. Most of the time they will tell you that is was based on information from your credit report. They will also tell you which credit reporting agency they used. You are entitled to a free copy of your credit report for 30 days. If you find errors on your report, dispute them with the creditor and the credit reporting agency. For free sample letters and templates you can use for this purpose, check out http://www.creditscoresystems.com
What is mean by credit approval?
Credit approval means your credit history will have to be checked before you can be approved for a loan, credit card, etc. If your credit report (history) is not good, then the chances are you will be turned down for a loan, credit cards, etc.
How will it effect your credit score if you pay your mortgage car and credit cards on time but are sometimes late with your utilities?
You need to find out and tell us whether or not your utility company(s) report to the credit bureaus. Some do normally, others only report when you pay late, others only report when you get turned over to collection, others never report. There is no way to know which category your specific utility companies fall into.
Does a few late payment internet bill's effect your credit?
Only when the bills are turned over to collections. An ISP probably will pull your credit report, just as a cell phone company would, but an Internet account is not a credit account.
What do I have to do to get a free annual credit report?
If you have been turned down for credit recently you are entitled by law to get a free credit report from the credit reporting agency that supplied the information. Call or write the agency to make your request.
How can you find out if you have a judgment against you?
You can check your local civil court clerk's index and land recorder's office for any recorded documents, but the easiest way is to contact one of the major credit bureaus and get a copy of your credit report. They are Trans Union, Equifax and Experian. Try www.equifax.com or www.experian.com for information on how to get a copy of your report. If you have been turned down for credit recently, the report should be free.
How do you get a credit report and what do you do if you see something unexpected?
you can receive 3 credit reports for free every 12 monthes. Go to annualcreditreport.com and you can either select to see all 3 at once (which means you have to wait another 12 monthes for another 3 chances) or you can just choose 1 credit report to view, it's totally free, but only at annualcreditreport.com also if you apply for credit anywhere and get turned down you get to receive a free credit report.
Can you get a free copy of your credit report?
Yes you can. Consumer law states you can get one once a year from all three agencies and if you are turned down for a loan or credit. To get a credit report contact the reporting agency. I think you can order them on Credit Karma too.
Does a company have to tell YOU why they turned YOU down for credit?
Yes, they are bound by law to disclose why they turned you down. Most of the time they will tell you that is was based on information from your credit report. They will also tell you which credit reporting agency they used. You are entitled to a free copy of your credit report for 30 days. If you find errors on your report, dispute them with the creditor and the credit reporting agency. For free sample letters and templates you can use for this purpose, check out http://www.creditscoresystems.com
What is mean by credit approval?
Credit approval means your credit history will have to be checked before you can be approved for a loan, credit card, etc. If your credit report (history) is not good, then the chances are you will be turned down for a loan, credit cards, etc.
What is mean by approval?
Credit approval means your credit history will have to be checked before you can be approved for a loan, credit card, etc. If your credit report (history) is not good, then the chances are you will be turned down for a loan, credit cards, etc.
What if the lender can not find any information on repossession that is on your credit report?
It might not have been turned in. If not, consider yourself fortunate.
Can you call any one of the 3 credit bureaus and ask them what is wrong with your credit in detail or what factors they used in creating your score?
You can get a free credit report from all three once a year. Other than that, you can get one any time you are turned down for credit based on your credit report. Once you have the credit report you can submit an explanation of any bad things reported about you. That way you have the detail as to what went wrong.
If you have an account that went to a collection agency however you paid it in full how long does it take for that collection account to be removed from your credit report?
It sticks for 7 years. The fact that it was turned over to a collections agency will make it to your credit report. When it is paid in full, it will say "settled" on your credit report so other creditors know you took care of the debt. Even so, it still haunts your credit report for 7 years.
Never Pay For A Credit History Report?
Never pay for a credit history report. It is now possible to obtain a free credit report from each of the three credit reporting agencies once a year. Be smart and request a free report from each agency every four months so that you can stay current year round. Also, if you ever apply for credit and are turned down, you may request a free credit report from the credit reporting agency the credit check was obtained from. Credit reporting agencies also offer reports during their free trial memberships. Simply cancel your membership before you are obligated to pay anything.
What is the purpose of an experian report?
An Experian report shows your credit history. It gives details of your personal history and financial behaviour. It can give pointers to why you are getting turned down for such things as loans and mortgages.
