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Frequently Asked Questions about Credit Report

By Derek Brown
Published: Saturday, November 2nd, 2013

Q. How can I get a copy of my credit report except on the Internet?

You can purchase a copy of your credit report via telephone, contacting any of the premier credit report providers in USA. Make sure you have your address, ZIP Code, and Social Security Number handy with you when you call. Also inquire about the fees for buying a copy of your credit report.

Q. How to get my credit report if I live outside the United States?

If you are a citizen of U.S.A and living abroad, you can request for a copy of your credit report by sending the following important information to an accredited credit reporting company.

Your full name and generation information
Your Social Security Number
Date of birth
Previous address in USA
Two proofs of current mailing address such as utility bill, driver’s license, bank statement, insurance statement, or telephone bill
A copy of government issued ID card

Q. Can I request for a free copy of credit report if I have been turned down for a loan?

According to Fair Credit Reporting Act, you may be eligible for receiving a free copy of credit report if you have been declined credit, housing, or employment in the past 60 days, or if adverse actions have been taken against you based on your credit report, or you have been notified that terms of credit to you may be less favorable than terms provided to consumers with better credit history. You can order for a free credit report online.

Q. What information is provided in my credit report?

Your credit report comprises of the following information:

Specific information about every account, such as loan amount or credit limit, date opened, balance, payment pattern, monthly payment, etc. during the last several years
State and county court records for monetary judgments and tax liens, federal district bankruptcy records
Number of enquiries that have been made to view your credit report, with respective enquiry amount. Often names and addresses of those who have obtained a copy of your credit report is also provided
Your name, previous and current address, Social Security Number, phone number, date of birth, and your current and previous employers
Statement of disputes on the status of an account
Positive rental payment history from property management companies

Q. What is not included in a credit report?

Typically, a credit report doesn’t include information about religious preference, race, personal lifestyle, medical history, criminal record, political preference, or other details not related to credit.

Q. What to do if I find an error in my credit report?

Get a copy of your credit report and review it thoroughly. If you find an error, you can either dispute by it online or call the number mentioned on the report.

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