Credit Report Explanation?

Answer Consumers use credit to purchase large items, such as a new home or car, or smaller items, like clothing or a meal at a restaurant. Your credit history appears on your credit report, so it's benefi... Read More »

Top Q&A For: Credit Report Explanation

Do you get a free credit report when you report fraud?

If an individual is a victim of fraud, he may request an copy of his credit report free of charge at any time. The fraud victim won't automatically receive a free credit report when he reports the ... Read More »

How to Get a Collections Report Off of Your Credit Report File?

A collection report that appears on your credit report file can harm your credit score and borrowing ability. As a collection is typically an indication you failed to pay your bill on time or at al... Read More »

How do I get a free credit score if I don't have a credit card Besides free credit report .com?

How long do bad credit records past the statute of limitations stay on a credit report?

Under the Fair Credit Reporting Act, credit bureaus must remove negative accounts older than seven years. If such an account appears on your credit report, you have the right to dispute it with the... Read More »