Where do I get official credit reports?

Answer is the official centralized and secure site where consumers can request a free credit report once every 12 months from each of the three nationwide consumer credit reporting ... Read More »

Top Q&A For: Where do I get official credit reports

Where can I get all three credit reports?

Federal law entitles each American to get one free credit report each year from each of the three nationwide reporting agencies: Experian, Equifax and TransUnion. You can get all three credit repor... Read More »

How many years do faulty credit card payments stay on credit reports?

Late credit card payments remain on your credit report for seven years, according to the Fair Isaac Corporation. However, the further in the past the late payment occurred, the lower impact on your... Read More »

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

The statute of limitations enforced in a particular state has no effect on how long a bad or negative item remains on your credit report. For most types of negative reporting, records can only rema... Read More »

Do credit reports make your credit worse?

If you request a copy of your own credit report, or if a prospective or current employer requests a copy as part of a background check, your credit score will not be impacted. When potential lender... Read More »