Important Questions About

Your Credit Report

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This presentation tackles important information that you need to know about

your personal credit report.

Is it free to order a copy of your Credit Report?

The Fair Credit Reporting Act of 2003 gives all consumers the privilege to get one copy of credit report for free each year.

Where can you request a free credit report?

You can visit www.annualcreditreport.com to request for

a copy of your report. This website is supported by the three major credit bureaus.

What information would be required from you?

You must provide your name, address, and date of birth.

Before filling out the form, make sure that you are using the official website as some scammers use this trick to steal

personal information.

How much will it cost to get a second copy of your report?

Credit reporting agencies usually charge anywhere from

$9.00-$12.95 for a credit report.

What if you don’t understand the codes in your credit report?

Credit reporting agencies usually charge anywhere from

$9.00-$12.95 for a credit report.

What are the notes listed under the Inquiry Section of your credit report?

The Inquiry Section contains a record of all lenders who have checked your credit report.

What are the notes listed under the Inquiry Section of your credit report?

The Inquiry Section contains a record of all lenders who have checked your credit report.

What if you see charge offs in your credit report?

Charge offs are unpaid debts that have long been past due. It means your creditor has given up with its attempt to collect payments.

Is it possible to remove a charge off from your report?

There are two ways to remove a record of charge off from your credit report. You can either submit your payments to the creditor involved

or file for bankruptcy.

Resources:Resources:Important Questions About Your Credit Report

http://www.badcreditresources.com/articles/important-questions-about-your-credit-report/