FAQs

There is a bankruptcy (or other Public Record) on your credit report. Bankruptcy (or other Public Record) is a proven indicator of risk with future payments and causes a significant drop to your credit score over an extended period of time. What You Can Do: Make all future payments on time. The impact on your credit score from the bankruptcy (or other Public Record) will diminish over time. You have too many delinquent or derogatory accounts. You have had too many accounts with payments that are at least 30 days late and/or on which a lender has reported a derogatory status. Late payments are a proven indicator of increased risk. People with late payments are at risk of being overextended, putting existing credit with lenders at risk. What You Can Do: Paying bills on time every month is important to maintaining a good credit score. If you remain behind with any payments, bring them current as [...]

Fair Credit Reporting Act or 1.877.382.4357   Social Security Administration or 1.800.772.1213   Credit Score/My Fico or 1.800.777.2066

Visit credit monitoring for information on monitoring your personal credit online.myFICO makes it easy to understand your credit with FICO Scores, credit reports and alerts from all 3 bureaus. FICO® Scores are the only credit score used by 90% of top lenders. Other credit scores can vary as much as 100 points. Knowing your FICO Scores helps you apply for loans with confidence and avoid surprises.FICO Scores based on your Experian, TransUnion and Equifax reports. When you apply for credit, lenders may use one or more of these bureaus.With up to 28 versions of the FICO Score, you can get the right score for your goal, including the versions most frequently used when you apply for a mortgage, auto loan or credit card.

Your credit score is a number based on the information in your credit file that shows how likely you are to pay a loan back on time – the higher the score, the less risk you represent. The credit score that lenders use is called a FICO score. Your FICO score helps a lender determine whether you qualify for a loan and what interest rate you’ll pay. FICO scores are calculated from credit data in your credit file that can be grouped into five categories: payment history, amounts owed, length of credit history, new credit, and types of credit used. Visit my FICO for more information about credit scores.

If you currently have a security freeze on your credit file and would like to temporarily lift it for a creditor, there are two options: You may request a temporary lift for a specific credit grantor You may request a date range lift for a specific period of time, ranging from one day to one year. Click security freeze to use the online process to lift or remove a security freeze on your credit file or call the Equifax automated phone line at 1.800.685.1111. You may also send your request in writing to: Equifax Security Freeze, P.O. Box 105788, Atlanta, GA 30348

A security freeze prohibits a consumer reporting agency from releasing a consumer file relating to the extension of credit involving that consumer without the express authorization of the consumer.

If you believe that any item of information contained in your credit file is incomplete or incorrect, we will investigate the item. You can initiate an investigation online. Based on the result of the investigation, we will either update the current status of the disputed information (which may include letting you know if the furnisher of the information verified it was reporting correctly) or delete the item from your file. Please note – when completing the online form, the Confirmation Number field is not a required field. Completion of the dispute process can take up to 30 days for requests made under the FCRA and up to 45 days for requests made under the annual free credit report. Within five days of completion of the investigation of your dispute, the results of the investigation will be sent to you via First Class mail or online depending on the origin of your [...]

Bankruptcies-Repossessions-Collections-Foreclosures-Charge Offs-Judgments, these are things on your credit report that can affect you. If you want a better future and low interest rates on your car or home you need a good credit score. We help clean up your credit reports.

Access the National Student Loan Data System (NSLDS) to determine the servicer for a specific borrower.

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus that gather and sell information about your creditworthiness to creditors, employers, landlords, and other businesses. The FCRA gives consumers specific rights. You may have additional rights under state law. You must be told if information in your file has been used against you. Anyone who uses information from a consumer reporting agency to deny your application for credit, insurance, or employment — or take other adverse action against you — must tell you and give you the name, address, and phone number of the consumer reporting agency that provided the information. You can find out what is in your file. At any time, you may request and obtain your report from a consumer reporting agency. You are entitled to [...]