Who can pull credit reports?

Answer According to the Privacy Rights Clearinghouse, individuals with "legitimate business needs" can look at your credit report, including landlords, businesses granting credit, employers, potential emp... Read More »

Top Q&A For: Who can pull credit reports

Can underwriters pull credit reports?

Yes, by signing a loan application, filling one out online or completing one over the phone, you are giving permission for the lender's underwriters to pull your credit report. The credit report is... 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 »

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 »

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 »