CREDIT REPORT
| Frequently Asked Questions FREE CREDIT REPORT------ KNOWLEDGEFINANCIAL.COM How do I get my free online Credit Report? You can get your free online, . Simply fill out your information for identification purposes, answer a few questions and your credit report will be available to you online, in seconds, once your identity has been confirmed. Your Username and Password will enable you to view your credit report for 30 days over the Internet in the most secure environment we can provide. You will also have access to an array of benefits located in My Credit Center. Why should I get my free online Credit Report? To stay on top of your credit, it's a good idea to check your credit report on a regular basis. Here are some of the top reasons why you should request your free online credit report today: Make sure your information is accurate and ready to be reviewed by lenders, landlords, or employers. To look for potential signs of Identity Theft so you can take immediate action and stop fraud in its tracks. Which credit reporting company's credit report do I receive? How long will my online credit report be available? Your report is available online for 30 days. It's a good idea to print a copy for your records when you first view it. Why am I not eligible for another 7-day free trial membership? The free credit report with a free 7-day Triple AdvantageCredit Monitoring trial membership is a promotional offer for first-time customers only. If you have already tried the program and would like to enjoy the exclusive benefits of Triple Advantage, including unlimited free credit reports and credit scores, then please click here to sign up for a paid membership. Why didn't I get my online credit report? Although we usually deliver online credit reports to our customers within seconds, there are some instances in which we are prohibited from doing so. These include: When credit reporting agencies are not able to verify your identity. For your security, they only deliver your credit report when you pass our online identity verification process. When the credit reporting company does not return a credit report. Sometimes the credit reporting company does not have enough information to create a credit report for you. Why am I not eligible for an additional free online credit report from FreeCreditReport.com? The free credit report with a free 7-day Triple Advantage Credit Monitoring trial membership is a promotional offer for first-time customers only. If you would like to receive another copy of your online credit report, please click here to order or select one of our other credit products for a fee. You may also request a free statutory credit file disclosure from each of the national credit reporting companies through a Central Source once per year. Click here for more information. Isn't everyone entitled to one free credit report annually? Yes. The Fair and Accurate Credit Transactions Act (FACT Act) allows consumers to get one free comprehensive disclosure of all of the information in their credit file from each of the three national credit reporting companies once per year through a Central Source. To obtain that free report, you must click on: In addition, consumers also have the right to a free credit file disclosure directly from the credit reporting companies if (paraphrased) they: are the recipient of an adverse action (for example, denial of credit) due to information contained in their credit file; are unemployed; are a recipient of public welfare assistance; have inaccuracies in their credit file due to fraud. For more information, please see the Fair Credit Reporting Act. Can I get my free credit report by mail? Your free credit report from FreeCreditReport companies is only available online. Your username and password will enable you to view your credit report for 30 days over the Internet in the most secure environment we can provide. Unfortunately, we cannot provide free credit reports by mail at this time. FACTA What is the FACT Act?---- KNOWLEDGEFINANCIAL.COM The Fair and Accurate Credit Transactions Act (FACT Act) was signed into law in December 2003. The FACT Act, a revision of the Fair Credit Reporting Act, allows consumers to get one free comprehensive disclosure of all the information in their credit file from each of the three national credit reporting companies once every 12 months through a Central Source. Will everyone be able to get their free statutory annual credit file disclosure at the same time? Consumers will be able to get their statutory annual credit file disclosure beginning Dec. 1, 2004. How can I request my free statutory annual credit file disclosure? The FACT Act required that the national credit reporting companies establish a central source though which you will request the statutory free annual credit file disclosures. Which credit reporting company's free statutory annual credit file disclosure do I receive? You are entitled to receive your free statutory annual credit file disclosure from each of the three national credit reporting companies: Experian, Equifax, and TransUnion. Remember, your request must be placed through the Central Source. How often can I get a free credit file disclosure? The FACT Act entitles consumers to get one free statutory credit file disclosure from each of the three national credit reporting companies once per year. Because of state law, residents of Georgia can receive two free credit reports per year. What are monitoring alerts? Your Experian, Equifax, and TransUnion credit reports are monitored daily to see if key information has changed or if new data has been added. You will receive a monitoring alert if essential information has changed on your report. That way, you can identify fraudulent activity early in cases where credit activity is unfamiliar or unauthorized. A Monthly All Clear email will be sent when no key changes have been posted to any of your three national credit reports in the past month. As a Triple Advantage member, all three of your national credit reports will be monitored on a daily basis. When key changes are detected, you will receive email and, if you choose, SMS Mobile Text messaging alerts. How do I enroll for SMS Text Messaging alerts? Alerts of key changes to your credit reports are always sent through email. As a member, you have the option to also receive alerts via SMS Mobile Text messaging. There are three alert emails that you may receive through SMS Mobile Text Messaging: Monitoring Alert -- This will inform you whenever a key change is detected on any of your three national credit reports. Monthly All Clear Alert -- This will inform you when no key changes have been posted to any of your three national credit reports in the past month. Score Alert-- This will inform you when an updated score has been posted to your Score Tracker. As a member, you get access to monthly score tracking so you can conveniently see how your ScoreSM trends. When will I receive my first daily monitoring alerts? If you are a new member, please note that it may take up to five to seven days from the date you ordered to be enrolled in the daily monitoring system. Why did I only get alerts for one or two of the credit reporting companies instead of all three? It can take up to five to seven days for you to begin receiving alerts of key changes to your credit reports from all three national credit reporting companies. Each credit reporting company will process your enrollment independently, so processing times may vary among the three companies. Which credit reporting company's credit report does Triple Advantage monitor? Triple Advantage monitors all three of your national credit reports from Experian, Equifax, and TransUnion. You will be notified of several important changes to any of your credit reports with email and, if you choose, SMS Mobile Text messaging alerts. You'll know about new derogatory information, recent inquiries into your credit, and several indicators of possible Identity Theft. Remember, Triple Advantage members also receive unlimited copies of their Experian Credit Report and PLUS Score after the trial period. How do I cancel my membership? If for any reason you are not satisfied, you can cancel anytime to discontinue your membership to Triple Advantage Credit Monitoring and stop the monthly billing. However, you will not be eligible for a prorated refund of any portion of your current month's paid membership fee. Your report is available online for 30 days. It's a good idea to print a copy for your records when you first view it. ChildSecureSM What is ChildSecure? ChildSecure helps you protect your children from identity theft by closely monitoring your enrolled children's credit information, and alerting you if someone applies for credit or opens checking accounts using your children's personal information. ChildSecure can be added to your Triple Advantage membership. Why does my child have a credit history? There are several legitimate reasons for your child to have a credit history. Some banks and credit card companies allow parents to add children to their credit cards. Your child might have a credit history if he or she is listed as an authorized user on your account. Similarly, some financial institutions (banks) allow minors to obtain checking accounts. Why can't I see my child's information online?---- KNOWLEDGEFINANCIAL.COM We take you and your children's privacy and security seriously. That's why we insist upon verifying your identity before we show you any of your children's personal information such as Credit Reports. Because there is no definite way for you to prove that you are the parent or guardian of your child online, we require you to fax documentation to us as proof. Once we have received this information and verified that you are the parent or guardian, you will be able to obtain a hard copy of your child's information in the mail. That way, no else can access your child's information. If I can obtain this information about my child's files, can't other people also obtain this information? No. That is why you cannot view your child's information online. You must first fax in documents proving that you are the parent or legal guardian before we will send your child's credit files. If I enroll my child, what will you do with my child's information? When you enroll your children, we use their information to monitor their credit information. We are unable to monitor your children's personal information until you provide us with their first and last names, dates of birth, and Social Security Numbers. This information is required to verify their identities. Your children's information is safe with us, and will be used to verify their identities, and so we may begin monitoring their personal information. To learn more, please refer to our Privacy Policy. Is my child entitled to a free Credit Report by law? Yes. You will find instructions for requesting your child's free Credit report at www.annualcreditreport. com. For security and privacy reasons, only parents or guardians may request a Credit Report on behalf of a minor child under 13 years of age. Please note that additional identification documentation must be provided to prove you are the child's parent or guardian. Instructions for completing these requests can be accessed through www.annualcreditreport.com. Why aren't the graphs or calculators showing up?----- KNOWLEDGEFINANCIAL.COM You must have Java installed in order to view our graphs and calculators. You may download Java free of charge at www.java.com. Can I monitor my child without enrolling myself in this product? No. You must be an active Triple Advantage member enrolled in ChildSecure to enjoy our valuable benefits. How do I change the information on my report? You may not change items in your Report unless the information is proven to be inaccurate, or you initiate a dispute process that results in updated information. For Credit Report disputes, go to your "Credit Center," then to "Dispute Information." How will I be billed if I take advantage of ChildSecure Monitoring? If you purchase ChildSecure Monitoring, you will be billed your regular membership fee plus the additional fee for ChildSecure .. CardSafeTM What is CardSafeTM? CardSafeTM is a revolutionary new way to protect your Credit, Charge, Debit, and ATM cards in the event that they are lost or stolen. With just one click, your credit cards will be automatically registered. Enroll in CardSafeTM to ensure that your cards are registered in the event that they are lost or stolen. How do I enroll? With our simple one-click enrollment process, signing up couldn't be easier! Click here to visit the order page, and click the "Submit Secure Order" button. That's it! We obtain your credit card information from your Credit Report, so you don´t need to enter them. If you wish to add other cards-such as your ATM or Debit card-to your account, you may do so quickly and easily on your "Card Details" page. Where may I view my cards? You may view your Debit and ATM cards on the “Card Details” page. We obtain your credit card information from your Credit Report, so you don't need to enter them. To navigate to the "Card Details" page, simply click the CardSafeTM link in the “Benefits” section of your Credit Center. May I add, edit, or delete cards?-------- KNOWLEDGEFINANCIAL.COM You may add, edit, and delete cards on the "Card Details" page. To navigate to the "Card Details" page, simply click the CardSafeTM link in the "Benefits" section of your Credit Center. If you wish to add a new card, simply fill in the blank fields, and save your changes. You may edit a card by clicking the edit link next to the card and making your desired changes. To delete a card, simply check the delete box next to the card and save your changes. What is the CardSafeTM Guarantee? CardSafeTM offers you guaranteed registration for your Credit, Charge, Debit, and ATM cards. In the event that your cards are lost or stolen and you are a member of CardSafeTM at the time of the loss, we will quarantee reimbursement for unauthorized charges made after you've reported your missing cards to us, and for which your card issuer holds you liable. You will be required to provide our Fraud Resolution Representatives with proof of the unauthorized charges and a statement from your Credit, Debit or ATM card issuer showing the date & time the unauthorized charges occurred and amount for which you are being held personally liable for. You will also need to agree to assign your right to us to seek and recover unauthorized charges reimbursed under this Guarantee, and you will agree to reimburse us in the event you obtain recovery of any amounts paid by us hereunder. To qualify for reimbursement, you will need to provide all reasonable and necessary assistance to us in our recovery and reimbursement efforts. To report a lost or stolen card, simply call us at: 1-866-227-3718. To read more about the terms and conditions of the CardSafeTM Guarantee, click here. Do laws limit my responsibility for unauthorized charges? Under Federal law, your responsibility for unauthorized charges is generally limited to $50 per Credit Card and up to $500 per ATM or Debit card. The amount for which your card issuer holds you liable will depend on how quickly you report your lost or stolen cards to your card issuer. If your card issuer holds you liable for unauthorized charges made after you report your missing cards to us, we will guarantee you reimbursement for those charges.---- KNOWLEDGEFINANCIAL.COM |
WWW.KNOWLEDGEFINANCIAL.COM
| WE CAREFULLY SHOPPING FOR YOUR MORTGAGE LOAN TO GET YOU THE BEST PRODUCT AT THE LOWEST RATE POSSIBLE CONTACT Mr ANTONY AT: 786-709-6577 -- FLORIDA LICENSED MORTGAGE BROKER ---------------------------------------------------------------------------------- FOR ALL YOUR REAL ESTATE NEEDS: BUYING, SELLING, LEASING, COMMERCIAL OR RESIDENTIAL. PLEASE TO CONTACT Mr. ANTONY AT:! 786-709-6577------Fortune International Realty WHEN IT COMES TO REAL ESTATE FINANCING, MORTGAGE & LOANS, HOME REFINANCING ,HOME EQUITY. WE ARE YOUR TOTAL SOLUTION! REAL ESTATE INVESTMENT, MORTGAGE & LOAN, HOME REFINANCING WE'RE HERE TO HELP IN EVERY-WAY, IN EVERY-AREA! WITH US YOU WILL NEVER GET OVERWHELMED WITH THE BUYING PROCESS. WE CAREFULLY SHOPPING FOR YOUR MORTGAGE LOAN TO GET YOU THE BEST PRODUCT AT THE LOWEST RATE POSSIBLE. REASONS TO GO WITH US: We charge less fees than any other mortgage firm, or lending institution We’re loyal, we’re competent, and we have experience We keep you inform, and we make sure you understand the entire process, With us you will never get overwhelmed by the home buying process. MORTGAGE PRE-QUALIFICATION Are you a prospective first time home buyer? Are looking for the best suitable home loan rate available in the market? Before you make an informed decision . Let us first pre-qualify you to get you the best mortgage type, regardless of what your situation may be. ------------------------------------------------------------------------- Pre-qualification will put you in a stronger position to negotiate with sellers and increase the chance to reaching an agreement on the purchase price. CALL Mr. ANTONY AT: 786-709-6577 --South Florida |
MORTGAGE LOANS
FREE CREDIT REPORT CAN HELP YOU FIND OUT WHAT'S GOOD OR WHAT'S BAD AND ALSO DETECT ID THEFT!... FORTUNE: National Association Of Securities Dealers -
NASD / FINRA. LEARN MORE... BEFORE YOU START INVESTING ANY MONEY: LEARN THIS FIRST!
NASD / FINRA. LEARN MORE... BEFORE YOU START INVESTING ANY MONEY: LEARN THIS FIRST!
HOW TO FIX YOUR CREDIT OR ANYBODY'S CRET, RAISE THE SCORES, RAISE THE LIMIT.FAST, QUICK, EASY & SIMPLE
| BUYING, SELLING, LEASING A PROPERTY IN SOUTH FLORIDA. PLEASE, CALL Mr. ANTONY AT: 786-709-6577--- A PROFESSIONAL REALTOR FROM -- FORTUNE INTERNATIONAL REALTY |
Consumer Credit Report: What's On It ---
KNOWLEDGEFINANCIAL.COM
In 1949 Diner’s Club launched the first charge-card company. Fifty-five years later, Americans spend
more using credit cards than they spend with cash, according to a study by Dove Consulting. With more
than $2 trillion worth of credit card transactions each year, the creditworthiness of card users is an
increasingly important issue to creditors and consumers alike.

While most people realize that their personal creditworthiness is tracked on something called a credit
report, few know much about it or their scoring. The score, known as a FICO score, was developed by
Fair Isaac & Co. to evaluate the likelihood that consumers will pay their bills. FICO scores range from a
low of 300 (highest risk) points to a high of 850 points (lowest risk) and are used as the deciding factor
on more than 75% of credit applications, according to Equifax, one of the three major credit bureaus in
the United States. In 2003, nearly 50% of Americans had a FICO score between 700 and 800.
In determining the FICO score, mathematical models are used to analyze the data on an applicant’s
credit report, taking into consideration five factors: previous credit performance, current level of
indebtedness, time credit has been in use, types of credit available and pursuit of new credit.
What's on The Report and Why Should I Care?
An in-depth look at a credit report provided by Equifax provides a good overview of the type of
information that can be obtained from any of the major credit reporting bureaus. The Equifax report is
divided into seven sections.
The first section contains personal data, such as current and previous addresses, social security
number and employment history. This is crucial data to identity thieves, so be sure to protect it by
making sure this information is correct and accurate, and if you discard it, shred thoroughly.
The second section of the Equifax report provides a summary of the applicant’s credit history. It
includes the number of accounts (both open and closed) held by the applicant, the type of accounts
(mortgage, installment, revolving, or others), the number of credit inquiries over the last 12 months, the
number of accounts that are past due as well as those in good standing. Intuitively, it may seem like
the more accounts you have open, the higher your credit score will be, but when it comes to credit,
more is not necessarily better.
When financial institutions review your credit report prior to approving a loan, they often assume that
you will use all of the available credit on your credit cards and factor-in the monthly payments that
would be required to service that debt. If you have a dozen credit cards, all with zero balances, you
might have no problem making a $2,000 mortgage payment each month, but the bank might look at the
situation differently. If the bank factors in your ability to make monthly payments on a dozen credit cards
in addition to a $2,000 mortgage, your creditworthiness may be diminished.
The third section provides detailed account information. It includes the name, account type, account
number, date opened, balance and status of every account on the applicant’s record. A breakdown of
each account provides payment history, date of last activity and contact information for the credit
issuer. The section also includes a summary of past-due accounts and accounts with a negative credit
history. If you disagree with any of this information, you have the right to challenge it. Under federal
law, the credit reporting agency then has 30 days to respond to your challenge. If your challenge is
successful, the offending information will be removed from your report.
account when your FICO score is calculated. An excessive number of hard inquiries have a negative
impact on your score. Soft inquiries are generated by your current creditors checking on your status,
personally checking your own credit. Potential lenders don’t see these inquirers when they review your
credit report, and these inquiries do not impact your credit report.
credit card issuers reviewing your file to see if they wish to extend an unsolicited offer and you
personally checking your own credit. Potential lenders don’t see these inquirers when they review your
credit report, and these inquiries do not impact your credit report.
The fifth section details any accounts that have been turned over to a credit agency. If you failed to
make payments and any of your accounts were sent to collection, information about the delinquent
accounts appears here. Similarly, the sixth section of the report provides information about liens, wage
garnishments or other judgments that appear against you in federal, state or county court records.
The seventh section of the report provides information on how to dispute any of the information on your
credit report. When it comes to delinquent accounts and other damaging information, the only way to
repair your credit is to wait. Despite the claims of those late-night infomercials, once negative
information appears on your credit report, there is little you can do to clear it up if the information is
truthful and accurate. The Federal Trade Commission says such information remains on your report for
seven years, with several exceptions. Bankruptcy remains on your report for ten years. Lawsuit-related
information remains until the suit is settled. To avoid these problems, make all payments on time and
don’t ignore any issues that arise with creditors.
How That Information Impacts Your Score
Factors such as payment history, the length of time an individual has had credit and the individual’s
employment history all play a role in determining your FICO score. So, even though you may have an
excellent source of income and pay all of your bills on time and in-full, if you don’t have a mortgage, car
payments or revolving debt of any kind, it is unlikely that your FICO score will be 850.
Equifax cites late payments, or lack thereof, length of credit history and the size of account balances in
relation to your credit limits as major factors that impact your FICO score. Even if you pay off the full
amount owed on your credit cards each month, the size of the bill has an impact on your score, as large
balances are frowned upon.
Check Your Credit--- KNOWLEDGEFINANCIAL.COM
If you are contemplating a significant purchase, such as a second home or a substantial piece of
property, running a credit check on yourself is a good idea. If you run the check at least 90 days prior to
your purchase, you should have plenty of time to address any discrepancies that appear on the report.
While credit reports can be obtained from a variety of sources, the three major credit bureaus in the
United States are Equifax, Experian and Trans Union.
Credit reports can be ordered online and obtained instantly. The cost of obtaining a credit report is less
than $50 per person. Keep in mind that each of these credit bureaus operates independently, so you
may need to request a report from each of them to get a complete picture of your credit history.
Conclusion
Despite the many advertisements that promise to repair bad credit, prevention is the best way to avoid
credit problems. Once negative information appears on your credit report, there is little you can do to
clear it up if the information is truthful and accurate. However, over time – generally about seven to ten
years – this information is removed from your credit report. To prevent this type of damaging
information from getting onto your credit report in the first place, as well as to improve your chances of
obtaining future financing, be sure to make all your payments on time and do not ignore issues that
arise with creditors.---KNOWLEDGEFINANCIAL.COM
KNOWLEDGEFINANCIAL.COM
In 1949 Diner’s Club launched the first charge-card company. Fifty-five years later, Americans spend
more using credit cards than they spend with cash, according to a study by Dove Consulting. With more
than $2 trillion worth of credit card transactions each year, the creditworthiness of card users is an
increasingly important issue to creditors and consumers alike.

While most people realize that their personal creditworthiness is tracked on something called a credit
report, few know much about it or their scoring. The score, known as a FICO score, was developed by
Fair Isaac & Co. to evaluate the likelihood that consumers will pay their bills. FICO scores range from a
low of 300 (highest risk) points to a high of 850 points (lowest risk) and are used as the deciding factor
on more than 75% of credit applications, according to Equifax, one of the three major credit bureaus in
the United States. In 2003, nearly 50% of Americans had a FICO score between 700 and 800.
In determining the FICO score, mathematical models are used to analyze the data on an applicant’s
credit report, taking into consideration five factors: previous credit performance, current level of
indebtedness, time credit has been in use, types of credit available and pursuit of new credit.
What's on The Report and Why Should I Care?
An in-depth look at a credit report provided by Equifax provides a good overview of the type of
information that can be obtained from any of the major credit reporting bureaus. The Equifax report is
divided into seven sections.
The first section contains personal data, such as current and previous addresses, social security
number and employment history. This is crucial data to identity thieves, so be sure to protect it by
making sure this information is correct and accurate, and if you discard it, shred thoroughly.
The second section of the Equifax report provides a summary of the applicant’s credit history. It
includes the number of accounts (both open and closed) held by the applicant, the type of accounts
(mortgage, installment, revolving, or others), the number of credit inquiries over the last 12 months, the
number of accounts that are past due as well as those in good standing. Intuitively, it may seem like
the more accounts you have open, the higher your credit score will be, but when it comes to credit,
more is not necessarily better.
When financial institutions review your credit report prior to approving a loan, they often assume that
you will use all of the available credit on your credit cards and factor-in the monthly payments that
would be required to service that debt. If you have a dozen credit cards, all with zero balances, you
might have no problem making a $2,000 mortgage payment each month, but the bank might look at the
situation differently. If the bank factors in your ability to make monthly payments on a dozen credit cards
in addition to a $2,000 mortgage, your creditworthiness may be diminished.
The third section provides detailed account information. It includes the name, account type, account
number, date opened, balance and status of every account on the applicant’s record. A breakdown of
each account provides payment history, date of last activity and contact information for the credit
issuer. The section also includes a summary of past-due accounts and accounts with a negative credit
history. If you disagree with any of this information, you have the right to challenge it. Under federal
law, the credit reporting agency then has 30 days to respond to your challenge. If your challenge is
successful, the offending information will be removed from your report.
account when your FICO score is calculated. An excessive number of hard inquiries have a negative
impact on your score. Soft inquiries are generated by your current creditors checking on your status,
personally checking your own credit. Potential lenders don’t see these inquirers when they review your
credit report, and these inquiries do not impact your credit report.
credit card issuers reviewing your file to see if they wish to extend an unsolicited offer and you
personally checking your own credit. Potential lenders don’t see these inquirers when they review your
credit report, and these inquiries do not impact your credit report.
The fifth section details any accounts that have been turned over to a credit agency. If you failed to
make payments and any of your accounts were sent to collection, information about the delinquent
accounts appears here. Similarly, the sixth section of the report provides information about liens, wage
garnishments or other judgments that appear against you in federal, state or county court records.
The seventh section of the report provides information on how to dispute any of the information on your
credit report. When it comes to delinquent accounts and other damaging information, the only way to
repair your credit is to wait. Despite the claims of those late-night infomercials, once negative
information appears on your credit report, there is little you can do to clear it up if the information is
truthful and accurate. The Federal Trade Commission says such information remains on your report for
seven years, with several exceptions. Bankruptcy remains on your report for ten years. Lawsuit-related
information remains until the suit is settled. To avoid these problems, make all payments on time and
don’t ignore any issues that arise with creditors.
How That Information Impacts Your Score
Factors such as payment history, the length of time an individual has had credit and the individual’s
employment history all play a role in determining your FICO score. So, even though you may have an
excellent source of income and pay all of your bills on time and in-full, if you don’t have a mortgage, car
payments or revolving debt of any kind, it is unlikely that your FICO score will be 850.
Equifax cites late payments, or lack thereof, length of credit history and the size of account balances in
relation to your credit limits as major factors that impact your FICO score. Even if you pay off the full
amount owed on your credit cards each month, the size of the bill has an impact on your score, as large
balances are frowned upon.
Check Your Credit--- KNOWLEDGEFINANCIAL.COM
If you are contemplating a significant purchase, such as a second home or a substantial piece of
property, running a credit check on yourself is a good idea. If you run the check at least 90 days prior to
your purchase, you should have plenty of time to address any discrepancies that appear on the report.
While credit reports can be obtained from a variety of sources, the three major credit bureaus in the
United States are Equifax, Experian and Trans Union.
Credit reports can be ordered online and obtained instantly. The cost of obtaining a credit report is less
than $50 per person. Keep in mind that each of these credit bureaus operates independently, so you
may need to request a report from each of them to get a complete picture of your credit history.
Conclusion
Despite the many advertisements that promise to repair bad credit, prevention is the best way to avoid
credit problems. Once negative information appears on your credit report, there is little you can do to
clear it up if the information is truthful and accurate. However, over time – generally about seven to ten
years – this information is removed from your credit report. To prevent this type of damaging
information from getting onto your credit report in the first place, as well as to improve your chances of
obtaining future financing, be sure to make all your payments on time and do not ignore issues that
arise with creditors.---KNOWLEDGEFINANCIAL.COM
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ATTENTION, ATTENTION!
IMPORTANT INFORMATION
ABOUT THE UNITED STATES
FIVE [5] BIGGEST FINANCIAL
INSTITUTIONS...
Bank of America Financial
Services
Wells Fargo Financial Services
PNC-National City Mortgage
Financial Services
Citibank,Citifinancial,
Citimortgage, Citigroup
JPMorgan-Chase Financial
Services
How & where to find money to
invest in real estate? & How to
make the Bank say, "Yes You're
Approved"
Learn here the most effective
ways to get the best loan rates,
and the best terms
IMPORTANT INFORMATION
ABOUT THE UNITED STATES
FIVE [5] BIGGEST FINANCIAL
INSTITUTIONS...
Bank of America Financial
Services
Wells Fargo Financial Services
PNC-National City Mortgage
Financial Services
Citibank,Citifinancial,
Citimortgage, Citigroup
JPMorgan-Chase Financial
Services
How & where to find money to
invest in real estate? & How to
make the Bank say, "Yes You're
Approved"
Learn here the most effective
ways to get the best loan rates,
and the best terms
WHAT GUIDELINES ARE REQUIRED FOR A MORTGAGE
LOAN?
Mortgages are used by individuals and businesses wishing to
make large value purchase of real estate without payment the
entire value of the purchase up front. Mortgages are also
known as lien against property, or claims on property. Mortgage
is a legal agreement that creates an interest in a real estate
property between borrower and the lender.
Real Estate Learning Center: Foreclosure,
REO'S, Short Sale, Pre-construction.
Mortgage Loans Learning Center.
Everything about mortgage home loans
HOW TO UNDERSTAND THE HOME LOAN PROCESS?
Understand that in order to finance or refinance a loan the
lender requires documentation to verify and substantiate
your employment, credit and financial situation to assure its
investors
that you have the ability to repay the MONEY
HOME REFINANCING: 10 GREAT REASONS TO REFINANCE
A PROPERTY. NOW IT'S THE BEST TIME FOR REFINANCING,
THE INTEREST RATE IS VERY LOW.
MORTGAGE LOAN MODIFICATION PROGRAMS; AN
ALTERNATIVE TO REDUCE MONTHLY MORTGAGE
PAYMENT, TO AVOID FORECLOSURE, TO SAVE YOUR
CREDIT RATING, TO SAVE YOUR PROPERTY.
REVERSE MORTGAGE
NO MORTGAGE PAYMENTS EVER AGAIN: IF YOU OWNED A
HOME AS YOUR PERSONAL RESIDENCE.
TO IMPROVE YOUR QUALITY OF LIFE AND LIVE WITH NO
STRESS!
IF YOU'RE 62 YEARS OF AGE OR OLDER, YOU CAN
ACHIEVE THIS, THROUGH A REVERSE MORTGAGE,
REGULATED BY THE U.S. GOVERNMENT.
FINANCING YOUR REAL ESTATE INVESTMENT; BUYING
YOUR FIRST, SECOND, AND OR THIRD PROPERTY. HOW
AND WHERE TO FIND MONEY? CLICK RIGHT HERE!
FHA: F H A MORTGAGE LOANS, THE GOVERNMENT IS
THERE TO HELP YOU PURCHASE YOUR HOME. PLEASE
CONTACT US WE WILL SHOW YOU THE WAY .
MORTGAGE LOAN PRE-QUALIFICATION, LOW INTEREST
RATES,
8 Reasons to Get Pre-Approved for a Home Loan
Learn why pre-approval is one of the smartest moves you
can make when shopping for a home
LOAN?
Mortgages are used by individuals and businesses wishing to
make large value purchase of real estate without payment the
entire value of the purchase up front. Mortgages are also
known as lien against property, or claims on property. Mortgage
is a legal agreement that creates an interest in a real estate
property between borrower and the lender.
Real Estate Learning Center: Foreclosure,
REO'S, Short Sale, Pre-construction.
Mortgage Loans Learning Center.
Everything about mortgage home loans
HOW TO UNDERSTAND THE HOME LOAN PROCESS?
Understand that in order to finance or refinance a loan the
lender requires documentation to verify and substantiate
your employment, credit and financial situation to assure its
investors
that you have the ability to repay the MONEY
HOME REFINANCING: 10 GREAT REASONS TO REFINANCE
A PROPERTY. NOW IT'S THE BEST TIME FOR REFINANCING,
THE INTEREST RATE IS VERY LOW.
MORTGAGE LOAN MODIFICATION PROGRAMS; AN
ALTERNATIVE TO REDUCE MONTHLY MORTGAGE
PAYMENT, TO AVOID FORECLOSURE, TO SAVE YOUR
CREDIT RATING, TO SAVE YOUR PROPERTY.
REVERSE MORTGAGE
NO MORTGAGE PAYMENTS EVER AGAIN: IF YOU OWNED A
HOME AS YOUR PERSONAL RESIDENCE.
TO IMPROVE YOUR QUALITY OF LIFE AND LIVE WITH NO
STRESS!
IF YOU'RE 62 YEARS OF AGE OR OLDER, YOU CAN
ACHIEVE THIS, THROUGH A REVERSE MORTGAGE,
REGULATED BY THE U.S. GOVERNMENT.
FINANCING YOUR REAL ESTATE INVESTMENT; BUYING
YOUR FIRST, SECOND, AND OR THIRD PROPERTY. HOW
AND WHERE TO FIND MONEY? CLICK RIGHT HERE!
FHA: F H A MORTGAGE LOANS, THE GOVERNMENT IS
THERE TO HELP YOU PURCHASE YOUR HOME. PLEASE
CONTACT US WE WILL SHOW YOU THE WAY .
MORTGAGE LOAN PRE-QUALIFICATION, LOW INTEREST
RATES,
8 Reasons to Get Pre-Approved for a Home Loan
Learn why pre-approval is one of the smartest moves you
can make when shopping for a home
IF YOU NEED HELP TO SELL YOUR REAL ESTATE PROPERTY IN SOUTH FLORIDA; PLEASE CALL Mr. ANTONY
A PROFESSIONAL REALTOR. AT: 786-709-6577 --- Fortune International Realty
A PROFESSIONAL REALTOR. AT: 786-709-6577 --- Fortune International Realty
About Your Free Credit Report and Free Credit Score
Your credit report is a snapshot of your credit at a particular moment in time. The reality is that information is constantly
flowing in and out of your credit report.
Credit applications, home and auto loans, payments, and even an address change or inquiry from a prospective creditor all
show up on your credit report – and affect your credit score.
Your credit score, although not a part of your credit report, is calculated based on the information in your credit report.
Credit scores allow lenders to quickly make on-the-spot credit decisions based on a 3-digit number that sums up your credit
worthiness. There are many credit scoring models in use today; all are designed to rate your likelihood to repay your debts.
When you order your credit report, you´ll also receive your current credit score as well as an analysis of the factors affecting
your score.
Credit history is the main determining factor of credit nowadays, but there are potential problems that can work against
consumers. Since some credit reports can contain inaccuracies serious enough to cause consumers to be denied credit, a
loan or even a job, keeping abreast of changes to your credit file is vitally important.
Identity theft is also on the rise, now being the number one consumer complaint reported to the Federal Trade Commission.
One of the first places identity theft shows up is often on your credit report. Monitoring your credit is one of the easiest and most
effective ways of protecting your credit against errors and fraud.
Your credit report is a snapshot of your credit at a particular moment in time. The reality is that information is constantly
flowing in and out of your credit report.
Credit applications, home and auto loans, payments, and even an address change or inquiry from a prospective creditor all
show up on your credit report – and affect your credit score.
Your credit score, although not a part of your credit report, is calculated based on the information in your credit report.
Credit scores allow lenders to quickly make on-the-spot credit decisions based on a 3-digit number that sums up your credit
worthiness. There are many credit scoring models in use today; all are designed to rate your likelihood to repay your debts.
When you order your credit report, you´ll also receive your current credit score as well as an analysis of the factors affecting
your score.
Credit history is the main determining factor of credit nowadays, but there are potential problems that can work against
consumers. Since some credit reports can contain inaccuracies serious enough to cause consumers to be denied credit, a
loan or even a job, keeping abreast of changes to your credit file is vitally important.
Identity theft is also on the rise, now being the number one consumer complaint reported to the Federal Trade Commission.
One of the first places identity theft shows up is often on your credit report. Monitoring your credit is one of the easiest and most
effective ways of protecting your credit against errors and fraud.
FREE CREDIT REPORT
Did you know that you have three credit reports, and these credit reports are not necessarily the same? Your
credit reports can contain different
information because lenders and creditors may report your accounts to one or two of the three national credit
bureaus who report data independently. By checking all three of your credit reports, you can make sure you
are maintaining a healthy credit profile. And a healthy, active credit profile can be
the key to obtaining low loan rates. This is because lenders use credit reports to see how consumers have
utilized their credit in the past.
If you have been responsible with your accounts and have been able to pay your debts on time, then chances
are you are doing well with your credit.
Did you know that you have three credit reports, and these credit reports are not necessarily the same? Your
credit reports can contain different
information because lenders and creditors may report your accounts to one or two of the three national credit
bureaus who report data independently. By checking all three of your credit reports, you can make sure you
are maintaining a healthy credit profile. And a healthy, active credit profile can be
the key to obtaining low loan rates. This is because lenders use credit reports to see how consumers have
utilized their credit in the past.
If you have been responsible with your accounts and have been able to pay your debts on time, then chances
are you are doing well with your credit.
| Your Access to Free Credit Reports The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to consumer reporting companies.------------KNOWLEDGEFINANCIAL.COM A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or arrested, or have filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. Here are the details about your rights under the FCRA and the Fair and Accurate Credit Transactions (FACT) Act, which established the free annual credit report program. Q: How do I order my free report? A: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report. To order, visit annualcreditreport.com, call 1-877-322-8228 , or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228 , and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months. A Warning About “Imposter” Websites Only one website is authorized to fill orders for the free annual credit report you are entitled to under law — annualcreditreport.com. Other websites that claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring” are not part of the legally mandated free annual credit report program. In some cases, the “free” product comes with strings attached. For example, some sites sign you up for a supposedly “free” service that converts to one you have to pay for after a trial period. If you don’t cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card. Some “imposter” sites use terms like “free report” in their names; others have URLs that purposely misspell annualcreditreport.com in the hope that you will mistype the name of the official site. Some of these “imposter” sites direct you to other sites that try to sell you something or collect your personal information. Annualcreditreport.com and the nationwide consumer reporting companies will not send you an email asking for your personal information. If you get an email, see a pop-up ad, or get a phone call from someone claiming to be from annualcreditreport.com or any of the three nationwide consumer reporting companies, do not reply or click on any link in the message. It’s probably a scam. Forward any such email to the FTC at spam@uce.gov.-------KNOWLEDGEFINANCIAL.COM Q: What information do I need to provide to get my free report? A: You need to provide your name, address, Social Security number, and date of birth. If you have moved in the last two years, you may have to provide your previous address. To maintain the security of your file, each nationwide consumer reporting company may ask you for some information that only you would know, like the amount of your monthly mortgage payment. Each company may ask you for different information because the information each has in your file may come from different sources. Q: Why do I want a copy of my credit report? A: Your credit report has information that affects whether you can get a loan — and how much you will have to pay to borrow money. You want a copy of your credit report to: make sure the information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job. help guard against identity theft. That’s when someone uses your personal information — like your name, your Social Security number, or your credit card number — to commit fraud. Identity thieves may use your information to open a new credit card account in your name. Then, when they don’t pay the bills, the delinquent account is reported on your credit report. Inaccurate information like that could affect your ability to get credit, insurance, or even a job. Q: How long does it take to get my report after I order it? A: If you request your report online at annualcreditreport.com, you should be able to access it immediately. If you order your report by calling toll-free 1-877-322-8228 , your report will be processed and mailed to you within 15 days. If you order your report by mail using the Annual Credit Report Request Form, your request will be processed and mailed to you within 15 days of receipt. Whether you order your report online, by phone, or by mail, it may take longer to receive your report if the nationwide consumer reporting company needs more information to verify your identity. There also may be times when the nationwide consumer reporting companies receive a high volume of requests for credit reports. If that happens, you may be asked to re-submit your request. Or, you may be told that your report will be mailed to you sometime after 15 days from your request. If either of these events occurs, the nationwide consumer reporting companies will let you know. Q: Are there any other situations where I might be eligible for a free report? A: Under federal law, you’re entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft. Otherwise, a consumer reporting company may charge you up to $10.50 for another copy of your report within a 12-month period. To buy a copy of your report, contact: Equifax: 1-800-685-1111 ; equifax.com Experian: 1-888-397-3742 ; experian.com TransUnion: 1-800-916-8800 ; transunion.com Under state law, consumers in Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, and Vermont already have free access to their credit reports. Q: Should I order a report from each of the three nationwide consumer reporting companies? A: It’s up to you. Because nationwide consumer reporting companies get their information from different sources, the information in your report from one company may not reflect all, or the same, information in your reports from the other two companies. That’s not to say that the information in any of your reports is necessarily inaccurate; it just may be different. Q: Should I order my reports from all three of the nationwide consumer reporting companies at the same time? A: You may order one, two, or all three reports at the same time, or you may stagger your requests. It’s your choice. Some financial advisors say staggering your requests during a 12-month period may be a good way to keep an eye on the accuracy and completeness of the information in your reports. Q: What if I find errors — either inaccuracies or incomplete information — in my credit report? A: Under the FCRA, both the consumer reporting company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take full advantage of your rights under this law, contact the consumer reporting company and the information provider.--------KNOWLEDGEFINANCIAL.COM Tell the consumer reporting company, in writing, what information you think is inaccurate. Consumer reporting companies must investigate the items in question — usually within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the consumer reporting company, it must investigate, review the relevant information, and report the results back to the consumer reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide consumer reporting companies so they can correct the information in your file. When the investigation is complete, the consumer reporting company must give you the written results and a free copy of your report if the dispute results in a change. (This free report does not count as your annual free report under the FACT Act.) If an item is changed or deleted, the consumer reporting company cannot put the disputed information back in your file unless the information provider verifies that it is accurate and complete. The consumer reporting company also must send you written notice that includes the name, address, and phone number of the information provider. Tell the creditor or other information provider in writing that you dispute an item. Many providers specify an address for disputes. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute. And if you are correct — that is, if the information is found to be inaccurate — the information provider may not report it again. Q: What can I do if the consumer reporting company or information provider won’t correct the information I dispute? A: If an investigation doesn’t resolve your dispute with the consumer reporting company, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the consumer reporting company to provide your statement to anyone who received a copy of your report in the recent past. You can expect to pay a fee for this service. If you tell the information provider that you dispute an item, a notice of your dispute must be included any time the information provider reports the item to a consumer reporting company. Q: How long can a consumer reporting company report negative information? A: A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. There is no time limit on reporting information about criminal convictions; information reported in response to your application for a job that pays more than $75,000 a year; and information reported because you’ve applied for more than $150,000 worth of credit or life insurance. Information about a lawsuit or an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. Q: Can anyone else can get a copy of my credit report? A: The FCRA specifies who can access your credit report. Creditors, insurers, employers, and other businesses that use the information in your report to evaluate your applications for credit, insurance, em ployment, or renting a home are among those that have a legal right to access your report. Q: Can my employer get my credit report? A: Your employer can get a copy of your credit report only if you agree. A consumer reporting company may not provide information about you to your employer, or to a prospective employer, without your written consent.----KNOWLEDGEFINANCIAL.COM |
Score Tracker
How often is my score tracked?
Your score is automatically plotted on the Score Tracker once every month during your active membership.
Why doesn't the score number on the graph match the score number on my report?
Your credit score is a dynamic number based on the contents of your Credit Report the moment it is requested. As creditors report new information and your existing information ages, your credit report
constantly changes, often impacting your credit score. The Score Tracker displays the credit score that was calculated based on the information in your credit report on a particular date each month. If the
credit report you are looking at was requested on a different date, your score could vary.
Why does my score show as "zero"/"0" under my Credit Profile?
Your credit score is displayed on your Credit Profile after you request a new credit report and score and is viewable for 30 days. After 30 days, the score data will disappear and be replaced with a "zero." Simply
refresh your Credit Profile by requesting a new report and score.
If I don't pull a report each month, will a new score appear on the Score Tracker anyway?
Yes, even if you don't pull your credit report, the Monthly Score Tracker will automatically track your score each month during your active membership.
3 Bureau Credit Report
How is a 3 Bureau Credit Report different from a single-bureau credit report?
The 3-bureau report includes your credit reports from all three national credit reporting companies - Experian, Equifax, and TransUnion. A single-bureau report contains your information on file at one of those
three credit reporting companies.
Why is my credit information and score different among the three credit reporting companies?
When creditors report information to the credit reporting companies, they can choose to which company(ies) they want to report. Some report to only one, whereas many report to all three. When a creditor
chooses only to report to one or two of the credit reporting companies, the remaining company(ies) will not have access to, and therefore will not include, that account information in your report.
For that reason, your credit scores may differ among your reports.
Why is it important to check my credit report & credit score at all three credit reporting companies?
When creditors, landlords, and potential employers check your credit information, they can pull your credit report and credit score from any credit reporting company(ies). Some only check one credit reporting
company; some check all three. By checking all three yourself, you'll be prepared no matter which company(ies) they check.
Where can I find out how to read my 3 Bureau Credit Report?
Please read the for the 3 Bureau Credit Report.
.Please note that when you complete the order process, your credit card may be authorized for a charge, but that does not mean that it has been charged.
How long does it take to get my 3 Bureau Credit Report?
After you pass our online authentication process, you will generally receive your online credit report and score within 30 seconds. However, if we are unable to automatically authenticate your identity, you will
receive instructions for further verification.
Why didn't I get my online credit report?
Although we usually deliver online credit reports to our customers within seconds, there are some instances that prohibit us from doing so. These include:
When we are not able to verify your identity. For your security, we only deliver your credit report when you pass our online identity verification process.
When we are experiencing a technical issue.
When the credit reporting company does not return a credit report. Sometimes the credit reporting company does not have enough information to create a credit file for you.
Please note, that we don't charge your credit card until we deliver your credit report. If we are unable to process your request, we will not charge you.
How long will my 3 Bureau Credit Report be available?
Your report is available online for 30 days after it is delivered. It's a good idea to print a copy for your records when you first view it.
I wasn't able to receive my PLUS Credit Score. Was I charged?
No, we don't charge your credit card unless we can authenticate you and deliver your report. If we are unable to process your request, we will not charge you. Please note that when you complete our order
process, your credit card may be authorized for a charge, but that does not mean that it has been charged.
How long will my online PLUS Credit Score and report be available?
Your report is available online for 30 days after it is delivered. It's a good idea to print a copy for your records when you first view it.
Where can I find out more about my PLUS Credit Score?
More information about your PLUS Score can be found here.
General Questions
Is the transaction safe?
Yes, the process of sending and receiving your information is encrypted using Secure Socket Layer (SSL) encryption. This technology helps ensure that your credit card and other sensitive information is
protected. Preferred web browsers are: Netscape 6.05 or later, Microsoft Internet Explorer 5.0 or later, and AOL 8.0 or later.
Our company has rigorous security screening processes set up by ICSA and the credit reporting agencies, and we have also partnered with VeriSign, Inc.
What will happen to the information I enter?
The information that you provide is used to verify your identity and remains in our system. Additionally, you are only able to view your report for 30 days. (The credit reporting companies will always keep your
record, of course). We do not resell or provide your credit information to any third-party marketers. Please see our privacy policy for full details about how we protect the information you submit to us.
Will ordering my credit report appear as an inquiry on my credit report?
Anytime your credit report is pulled - including when you order a copy of your credit report directly from the credit reporting company - an inquiry is added to your report. Only some of those inquiries appear to
creditors and therefore impact your credit score. Inquiries that were made for credit cards or loans for which you applied will be shown to creditors. Inquiries added when you request a copy of your credit report
or when an employer checks your credit report do not appear to creditors. We are pulling your credit report on your behalf, so the inquiry on your credit report will not be shown to creditors and will not affect your
credit score.
However, ALL inquiries will be displayed on copies of your credit file disclosure that you order directly from the credit reporting companies' consumer assistance centers. This is done so you know who has been
looking at your credit. Some inquiries on your report are accompanied by a description of why the report was pulled.
I don't have a credit card. Can I still purchase an online credit report?
Currently, we only accept credit card payments. Our system is not set up to accept checks or cash at this time. We apologize for any inconvenience.
What is the refund policy if the transaction fails?
We don't charge your card unless you get your credit report or you complete the request. If we are unable to process your request, we will not charge your card. Please note that when you complete the order
process, your credit card may be authorized for a charge, but that does not mean that it has been charged.
Where is my report?
You may view the status of your orders by logging into My Credit Center.
Will my spouse's name and information appear on my report?
The credit reporting companies maintain credit files on individual U.S. residents only. They do not maintain joint files for spouses. Only accounts that are in both your names or those for which you are an
authorized user will show up on your report. Therefore, your credit report is separate and different from your spouse's.
How do I dispute possible inaccuracies on my credit report?
Credit reporting companies want your credit information to be as accurate as possible. If you have reviewed your credit report and believe that the information is inaccurate, you can dispute it online for the
fastest resolution. To access online disputes, go to a current online copy of your credit report and click on the link "Click here for Online Dispute" located near the item you believe is inaccurate.
To request an investigation into information you don't agree with on your Equifax or TransUnion credit report, you should write directly to the credit reporting company that supplied the information. For details,
please see the Dispute Information page located in the My Credit Center area.
Can I order someone else's report?
No. Under federal law, any person who knowingly and willfully obtains information on a consumer from a credit reporting company under false pretenses (for example, getting a credit report on an individual
without his/her permission) shall be fined under Title 18 United States Code, or imprisoned for not more than two years, or both.
What are my rights under the Fair Credit Reporting Act?
The federal Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness, and privacy of the information in the files of credit reporting companies. Please click here for the summary of your major
rights under the FCRA.
What if I forget my Username and Password?
If you have forgotten your username or password, click "Forgot your password" at the customer login page. Enter your full name, last 4 digits of your Social Security Number, and date of birth, and click "Submit".
You will then be prompted to enter your mother's maiden name, and answer the question you chose as your "Reminder Phrase." If you answer correctly, you will be prompted to change your password.
What is your authentication process and what happens if I don't get authenticated instantly?
Generally, we can authenticate you online immediately after you place an order. If you order a product that is delivered instantly, and we are unable to verify your identity online, you have the option of going
through further verification. We then deliver you a private access code via U.S. mail within five to seven days, which provides you full access to your report online. For your protection, if we are still unable to
verify your identity, you will be referred to Customer Care. If you submit the required information, you are agreeing to purchase the report. Once your information is received, your identity will be manually
verified. You will receive an email confirming the outcome within three business days. If your information is verified, your login information also will be provided in this email. You can then login at the site to
view your report, which will be available online for 30 days.
How often is my score tracked?
Your score is automatically plotted on the Score Tracker once every month during your active membership.
Why doesn't the score number on the graph match the score number on my report?
Your credit score is a dynamic number based on the contents of your Credit Report the moment it is requested. As creditors report new information and your existing information ages, your credit report
constantly changes, often impacting your credit score. The Score Tracker displays the credit score that was calculated based on the information in your credit report on a particular date each month. If the
credit report you are looking at was requested on a different date, your score could vary.
Why does my score show as "zero"/"0" under my Credit Profile?
Your credit score is displayed on your Credit Profile after you request a new credit report and score and is viewable for 30 days. After 30 days, the score data will disappear and be replaced with a "zero." Simply
refresh your Credit Profile by requesting a new report and score.
If I don't pull a report each month, will a new score appear on the Score Tracker anyway?
Yes, even if you don't pull your credit report, the Monthly Score Tracker will automatically track your score each month during your active membership.
3 Bureau Credit Report
How is a 3 Bureau Credit Report different from a single-bureau credit report?
The 3-bureau report includes your credit reports from all three national credit reporting companies - Experian, Equifax, and TransUnion. A single-bureau report contains your information on file at one of those
three credit reporting companies.
Why is my credit information and score different among the three credit reporting companies?
When creditors report information to the credit reporting companies, they can choose to which company(ies) they want to report. Some report to only one, whereas many report to all three. When a creditor
chooses only to report to one or two of the credit reporting companies, the remaining company(ies) will not have access to, and therefore will not include, that account information in your report.
For that reason, your credit scores may differ among your reports.
Why is it important to check my credit report & credit score at all three credit reporting companies?
When creditors, landlords, and potential employers check your credit information, they can pull your credit report and credit score from any credit reporting company(ies). Some only check one credit reporting
company; some check all three. By checking all three yourself, you'll be prepared no matter which company(ies) they check.
Where can I find out how to read my 3 Bureau Credit Report?
Please read the for the 3 Bureau Credit Report.
.Please note that when you complete the order process, your credit card may be authorized for a charge, but that does not mean that it has been charged.
How long does it take to get my 3 Bureau Credit Report?
After you pass our online authentication process, you will generally receive your online credit report and score within 30 seconds. However, if we are unable to automatically authenticate your identity, you will
receive instructions for further verification.
Why didn't I get my online credit report?
Although we usually deliver online credit reports to our customers within seconds, there are some instances that prohibit us from doing so. These include:
When we are not able to verify your identity. For your security, we only deliver your credit report when you pass our online identity verification process.
When we are experiencing a technical issue.
When the credit reporting company does not return a credit report. Sometimes the credit reporting company does not have enough information to create a credit file for you.
Please note, that we don't charge your credit card until we deliver your credit report. If we are unable to process your request, we will not charge you.
How long will my 3 Bureau Credit Report be available?
Your report is available online for 30 days after it is delivered. It's a good idea to print a copy for your records when you first view it.
I wasn't able to receive my PLUS Credit Score. Was I charged?
No, we don't charge your credit card unless we can authenticate you and deliver your report. If we are unable to process your request, we will not charge you. Please note that when you complete our order
process, your credit card may be authorized for a charge, but that does not mean that it has been charged.
How long will my online PLUS Credit Score and report be available?
Your report is available online for 30 days after it is delivered. It's a good idea to print a copy for your records when you first view it.
Where can I find out more about my PLUS Credit Score?
More information about your PLUS Score can be found here.
General Questions
Is the transaction safe?
Yes, the process of sending and receiving your information is encrypted using Secure Socket Layer (SSL) encryption. This technology helps ensure that your credit card and other sensitive information is
protected. Preferred web browsers are: Netscape 6.05 or later, Microsoft Internet Explorer 5.0 or later, and AOL 8.0 or later.
Our company has rigorous security screening processes set up by ICSA and the credit reporting agencies, and we have also partnered with VeriSign, Inc.
What will happen to the information I enter?
The information that you provide is used to verify your identity and remains in our system. Additionally, you are only able to view your report for 30 days. (The credit reporting companies will always keep your
record, of course). We do not resell or provide your credit information to any third-party marketers. Please see our privacy policy for full details about how we protect the information you submit to us.
Will ordering my credit report appear as an inquiry on my credit report?
Anytime your credit report is pulled - including when you order a copy of your credit report directly from the credit reporting company - an inquiry is added to your report. Only some of those inquiries appear to
creditors and therefore impact your credit score. Inquiries that were made for credit cards or loans for which you applied will be shown to creditors. Inquiries added when you request a copy of your credit report
or when an employer checks your credit report do not appear to creditors. We are pulling your credit report on your behalf, so the inquiry on your credit report will not be shown to creditors and will not affect your
credit score.
However, ALL inquiries will be displayed on copies of your credit file disclosure that you order directly from the credit reporting companies' consumer assistance centers. This is done so you know who has been
looking at your credit. Some inquiries on your report are accompanied by a description of why the report was pulled.
I don't have a credit card. Can I still purchase an online credit report?
Currently, we only accept credit card payments. Our system is not set up to accept checks or cash at this time. We apologize for any inconvenience.
What is the refund policy if the transaction fails?
We don't charge your card unless you get your credit report or you complete the request. If we are unable to process your request, we will not charge your card. Please note that when you complete the order
process, your credit card may be authorized for a charge, but that does not mean that it has been charged.
Where is my report?
You may view the status of your orders by logging into My Credit Center.
Will my spouse's name and information appear on my report?
The credit reporting companies maintain credit files on individual U.S. residents only. They do not maintain joint files for spouses. Only accounts that are in both your names or those for which you are an
authorized user will show up on your report. Therefore, your credit report is separate and different from your spouse's.
How do I dispute possible inaccuracies on my credit report?
Credit reporting companies want your credit information to be as accurate as possible. If you have reviewed your credit report and believe that the information is inaccurate, you can dispute it online for the
fastest resolution. To access online disputes, go to a current online copy of your credit report and click on the link "Click here for Online Dispute" located near the item you believe is inaccurate.
To request an investigation into information you don't agree with on your Equifax or TransUnion credit report, you should write directly to the credit reporting company that supplied the information. For details,
please see the Dispute Information page located in the My Credit Center area.
Can I order someone else's report?
No. Under federal law, any person who knowingly and willfully obtains information on a consumer from a credit reporting company under false pretenses (for example, getting a credit report on an individual
without his/her permission) shall be fined under Title 18 United States Code, or imprisoned for not more than two years, or both.
What are my rights under the Fair Credit Reporting Act?
The federal Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness, and privacy of the information in the files of credit reporting companies. Please click here for the summary of your major
rights under the FCRA.
What if I forget my Username and Password?
If you have forgotten your username or password, click "Forgot your password" at the customer login page. Enter your full name, last 4 digits of your Social Security Number, and date of birth, and click "Submit".
You will then be prompted to enter your mother's maiden name, and answer the question you chose as your "Reminder Phrase." If you answer correctly, you will be prompted to change your password.
What is your authentication process and what happens if I don't get authenticated instantly?
Generally, we can authenticate you online immediately after you place an order. If you order a product that is delivered instantly, and we are unable to verify your identity online, you have the option of going
through further verification. We then deliver you a private access code via U.S. mail within five to seven days, which provides you full access to your report online. For your protection, if we are still unable to
verify your identity, you will be referred to Customer Care. If you submit the required information, you are agreeing to purchase the report. Once your information is received, your identity will be manually
verified. You will receive an email confirming the outcome within three business days. If your information is verified, your login information also will be provided in this email. You can then login at the site to
view your report, which will be available online for 30 days.
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