Credit Report FAQ
Frequently asked questions about credit reports.
What does "account closed at grantor's request" mean?
On your credit report, some accounts might read "account closed at grantor's" request or "closed by grantor." This means your credit card issuer, for some reason or another, had your account closed.
On your credit report, some accounts might read "account closed at grantor's" request or "closed by grantor." This means your credit card issuer, for some reason or another, had your account closed.
How can I contact the credit bureaus?
Contact information for the three major credit bureaus.
Contact information for the three major credit bureaus.
What does my credit report have to do with my credit score?
You have a credit report and your credit score, most of which lenders look at and use. What does one have to do with the other?
You have a credit report and your credit score, most of which lenders look at and use. What does one have to do with the other?
Does my spouse's information appear on my credit report?
When you're married, does your spouse's information appear on your credit report and vise versa? Find out.
When you're married, does your spouse's information appear on your credit report and vise versa? Find out.
Do I have to pay a charge-off
Are you still responsible for paying charged-off balances?
Are you still responsible for paying charged-off balances?
What are the three credit bureaus
There are three insitutions - credit bureaus - that compile your credit report information.
There are three insitutions - credit bureaus - that compile your credit report information.
How often should I check my credit report?
How many times a year should you be checking your credit report? At least once, possibly more.
How many times a year should you be checking your credit report? At least once, possibly more.
How long does negative information stay on my credit report?
How long does negative information stay on my credit report? A minimum of seven years, with exceptions.
How long does negative information stay on my credit report? A minimum of seven years, with exceptions.
How can I fix mistakes on my credit report?
How can I remove inaccurate information from my credit report? Dispute it with the credit bureaus.
How can I remove inaccurate information from my credit report? Dispute it with the credit bureaus.
What information is included in my credit report?
Find out what is included in your credit report.
Find out what is included in your credit report.
Are there really free credit reports?
Can you get a free credit report? Yes. Find out how.
Can you get a free credit report? Yes. Find out how.
What is a charge-off?
A charge-off is a debt that has been determined uncollectible by the original creditor.
A charge-off is a debt that has been determined uncollectible by the original creditor.
Is my credit score hurt if I check my credit report?
Find out how your credit score is affected when you check your own credit report.
Find out how your credit score is affected when you check your own credit report.
How long until an item shows up on my credit report?
Find out how long until an item shows up on your credit report
Find out how long until an item shows up on your credit report
Can I remove debt collections from my credit report?
Can I remove debt collections from my credit report? Find out if you can remove collections from your credit report.
Can I remove debt collections from my credit report? Find out if you can remove collections from your credit report.
How do I remove a debt when the statute of limitations expires?
Understand the difference between statute of limitations and credit reporting time limits
Understand the difference between statute of limitations and credit reporting time limits