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Understand, Build and Manage

Your Credit Whether you’re buying a home, a car or applying for a credit card – lenders want to know the risk they’re taking by lending your money. Understanding how credit plays an important role in your life is an important step to improving your credit scores which can often help you qualify for better rates from lenders, which can save you money.

We believe the more insight you have about credit, the easier it is to strengthen your financial well-being. For more than a decade, has been America's number one Credit Repair provider of credit information. In addition to credit report repair, we offer help online to teach you how to successfully manage your credit rating.


What's in a credit report?
What's a credit bureau?
What's included in a credit report?
What's NOT included in a credit report?
Types of information in a credit report
Where does the information come from?
Who can see my credit report?
What is a credit score?
How are credit scores calculated?
What is a "fico" score?

We give you the inside scoop...

First Things First Your Credit Report
FICO and You
Next Things Next Finding Your Score
Establishing Good Credit
Repairing Your Credit Score
Identity Theft and Your Credit
Raising Your Credit Score

Who Can See Your Credit Reports

Under section 604 of the FCRA (15 U.S.C. section1681b), only certain people may access your credit report, and then only for certain specified reasons. Generally, this means prospective creditors. However, there are many reasons that someone may access your credit report. For example, with restrictions, a potential employer may access your credit report when you apply for job.

To get a sense for this, let’s look at the list of “Permissible Purposes of Consumer Reports” as set forth in section 604 of the FCRA to find out who can see your credit report.

1. A court or federal grand jury;

2. You;

3. Someone (a creditor) that intends to use the information in connection with a credit transaction;

4. Other individuals or companies that intend to use the information in connection with employment, the underwriting of insurance, or certain government benefits;

5. Other individuals or companies that have a legitimate business need for the information in connection with a business transaction initiated by you;

6. A state or local child support enforcement agency;

7. An agency administering a State plan under section 454 of the Social Security act to set an initial or modified child support award.