You can find information on credit reporting and protection online and in the stores of the bank or provider you got the credit card from. Just ask them in the store or look for the support online.
A person can expect to find information about the company of Experian Credit Reporting by going to the companies website and clicking on the about section.
One can find information about the credit reporting agency called TransUnion by visiting the website of TransUnion itself. Wikipedia also has useful information about TransUnion.
You can find a consumer credit reporting company by asking the local bank and they should have the correct contacts and information to help you out with what you need.
Credit Karma will give you your scores from all 3 credit reporting agencies and they do it for free with no credit card needed. It is a great way to check up on your credit score and information.
The Fair Credit Reporting Act guarantees you access to your credit report for free from each of the three nationwide credit reporting companies. You can find more information at www.ftc.gov/bcp/edu/microsites/freereports/index.shtml.
That depends on what you mean by "can't find or locate a creditor". If you get a copy of each of your credit reports, they will list the contact information for each of the creditors that are reporting any type of information about you on your credit report. if you cannot get a response from the creditor after locating their contact information on your credit report, then you may want to "dispute" the information with the credit bureau that is reporting the information. Simply write a letter to the credit bureau stating that the information being reported on XYZ account is not accurate. Please remove this information from my credit file. The bureau will contact the reporting creditor...if the creditor does not respond within a timely fashion, the information will be removed from your credit file.
Credit reporting companies and other businesses can provide background information for employers. They can check your credit card information, whether you have filed for bankruptcy, and other information.
Contact the credit reporting agency from where you got the report. They have the contact information and can provide that to you upon request.
You are allowed one free credit report from each of the three credit reporting agencies once a year. To get yours go to https://www.annualcreditreport.com/cra/index.jsp
Credit reporting agencies can be found in a number of locations. The most common locations are the yellow pages, on online at equifax, gcs-credit, and consumer.ftc.
Even though credit reporting agencies work hard to keep your credit file up to date, it's still possible for errors to show up in your file. This includes incorrect, incomplete or outdated information. If you discover such errors in your credit report, you have the right - and responsibility - to correct them right away, since inaccuracies could hurt your score and could lower your chances of getting the loans and credit products you seek. If you find an error, or if you see evidence of fraud, you should file a credit file dispute: Contact the credit reporting agency that is reporting the item in question. You will need to tell them why you believe the information is incorrect and, if possible, supply any supporting documentation. The reporting agency will then investigate the disputed information. This includes notifying the creditor that supplied them with the disputed information that you believe the information to be incorrect. The creditor will then have the chance to review and investigate the information in question and report back to the credit reporting agency. When the investigation is complete, the credit reporting agency will notify you of the results and make any necessary changes to your credit file. You should then obtain a current copy of your credit report to verify that all the information is accurate. For more information on specific steps to take, visit: http://www.equifax.com/online-credit-dispute/ provided by Equifax.
You can dispute mistakes via the credit bureau. Equifax, TransUnion and Experian.Don't be too alarmed to find inaccurate information listed in your credit profile -- errors are not uncommon. These errors are due to credit bureau clerks punching in the wrong information when receiving it from member companies, and from clerks of these companies who are punching in the incorrect information. Whatever the source may be, it is up to you to get it corrected promptly or they will affect your credit score and prevent you from obtain credit.Before disputing online, call the credit reporting agent (the company that placed the information on your credit report) to find out where the account came from and how to get them to remove it. When you dispute the account online, the credit bureau sends an e-mail to the reporting agency, asking them to verify the information in their system. When they reply that the information is the same, your dispute is responded to as correct and verified. You, as the debtor, need to make sure the reporting agency is reporting the correct information. Please remember, the people answering the phones at these companies are just people working to support their families, the same as everyone else, and are much more likely to help you if you are polite.