Your Questions About Credit Reports Gov

Lisa asks…

Do you think that you should be able to review your credit report for free?

If some strangers are going to keep tabs on my financial activity, then I most certainly think I should be able to see it free of charge.

Yes, they have so-called free credit report services. Ummm, but they’re not free.

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, 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 Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through, 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.

Chris asks…

How long can child support stay on your credit report?

How long can child support stay on your credit report if you live in the state of Virginia?

John answers:

Since child support is a civil judgment then under the FCRA: § 605. Requirements relating to information contained in consumer reports [15 U.S.C. §1681c] the judgment is listed for 7 years from the date of entry or your states statute of limitations, which ever is longest.

In VA the SOL is 20 years (see source)

Charles asks…

Why is my mortgage not on my credit report?

I bought a house back in August, and it still is not showing up on any of my credit reports. I thought that having more diversified debts, like installment & mortgage improved your credit score than just having credit card debt. Is there a way to get it added?

John answers:

Ask your mortgage company. Maybe they only report to one credit bureau or maybe they don’t report at all.

You can add the item to your report yourself, but you will have to pay and it won’t be updated. Check here:

Sandy asks…

I bought $25,000 worth of property, seller financed. How can I get this to show up on my credit report?

I bought $25,000 worth of real estate, seller financed. How can I get this to show up on my credit report? I have a friendly relationship with the seller, and could probably convince them to fill out some paperwork, if that’s all that’s needed. Is this possible? I have no credit history, and would love to have this show up on my record, to help me establish myself.
I can’t get a loan for $25,000 because, I have no credit history. I’m actually hoping to build a credit history, so that I can refinance in a year or two. So, that doesn’t really help, but thanks for your efforts.

John answers:

It is possible to have this loan show up on your credit report but since the lender is not a member of the credit bureau, the loan won’t be updated.

Check here for how to get the loan included: Scroll down to “Adding Accounts to Your File”. There might be a fee.

Unless you have been paying on this loan for a year, it might not be worth the effort to report the loan. At least 12 months of on time payment history is what you want to show.

Paul asks…

What is the online address for the free credit report w/ free fico score I saw on TV?

I saw a commercial on tv today that offered a free fico score with your free credit report. Usually you have to pay extra to see your FICO score so I was interested. It was from Experian or Equifax but I can’t remember which now. The address was something along the lines of www.(experian or equifax)/????something???
Does anyone know???
It is NOT though both my sons stop to listen to their jingles. This was direct from one of the 3 credit reporting agencies and the offer was good into March. Usually when you request your free yearly credit report from Experian, Trans Union or Equifax you have to pay to see your FICO score. This tv offer was for your free yearly score plus a free FICO with it.

John answers:

All ads for FREE credit reports or free FICO scores are all SCAMS. They will only give you these reports IF you sign up for monthly reports at $9.95 to $14.95. Otherwise, you get nothing.

The real free site is:
It is a gov. Site and is FREE. No FICO

New Law this year: All credit reporting agencies will have to include your FICO score in your report – Free. Until then you’ll have to pay for FICO score.

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