Your Questions About Credit Reports Gov

Mark asks…

Can I ask my credit card company to remove a closed account from my credit report?

I never had a late payment or any other kind of derogatory remarks. I want it removed for personal reasons. Will a credit card company hesitate to remove it from my credit report at my request?

John answers:

Www.FTC.gov – the information is held through three credit reporting agencies and although it is personal shows solid credit stability so you may reconsider this move as it may lower your credit score if the aforementioned information is correct. They will typically not alter reporting for any reason unless it is a direct FCRA (Fair Credit Reporting Act) violation. The federal trade commission oversees the FCRA and credit information and consumer rights regarding this information.

William asks…

What do I do when someone accessed my credit report without my consent?

I am trying to find out what to because I know someone that pulled my credit report.

John answers:

There are many reporting agencies that look into credit fraud and identity theft. Go to this website and they should be able to help you.
Http://www.ftc.gov/bcp/conline/pubs/credit/idtheft.htm

Jenny asks…

What is the website for obtaining a credit report? just free?

I just want to get a free credit report from the credit reporting agencies. I understand one is entitled to get one free for their own use.

John answers:

Q: How do I order my free report?

A: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.

To order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months.

Susan asks…

How can I stop a collection agency filing on my credit report during deployment?

I am two weeks away from deployment and have just been notified of a debt turned over to collections. I am unable to pay at this time due to my deployment and am wondering if this can go onto my credit report while I am gone or if I can stop them from filing it.

John answers:

The Soldiers and Sailor’s Act will not prevent a legitimate defaulted account from going to collections and being reported on your credit report.
This act can prevent your creditor from taking you to court for the length of your deployment. You need to notify them in writing that this act applies to you.
It also caps interest @ 6%.
More info at: http://www.defense.gov/specials/relief_act_revision/

Steven asks…

How to see my free credit score report online?

Is there a way to get a free credit report? I heard everyones entitled to 1 free report,state by state?

John answers:

Q: How do I order my free report?

A: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.

To order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months.

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