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iCreditRetriever offers you the ability to pull a copy of your own credit report. Although some
companies may offer a copy of your credit report for free, these companies also most often will require
memberships or fees of other sorts in various types of credit or debt consolidation programs. iCreditRetriever
is simply a credit report retrieval tool that offers you the ability to obtain a copy of your credit report for
one low price. HMSBLUE is not a credit protection or debt consolidation agency and will not solicit you for
other services or enroll you into any type of membership.
Why is it important to review my own credit report?
Your credit worthiness may be considered one of your greatest assets. Your credit not only may determine your eligibility for lines of credit, to obtain financing for major life purchases such as a home or automobile, but may also determine factors such as obtaining insurance, rental housing, and your eligibility for employment by companies that use credit worthiness to determine which applicants to hire.
For these reasons, not only should you continuously keep aware of what your credit profile says about you, but it is becoming increasingly more common to find errors on your credit profile, as well as the dreaded fraud of identity theft. These negative marks on your credit report will hinder your ability to obtain credit as well as possibly affecting your existing credit.
What information is contained in my credit report?
Your credit report contains a significant amount of personal information, including identification information as well as account history lasting for the past several years. Mainly, your credit report will generally include the following information about you and your credit worthiness:
- Identifying personal information, such as your name, current and previous address, current and previous telephone number, birth date, social security number, and current and previous employer.
- Account information on each of your accounts that report to the credit bureau inquired upon, such as the date the account was opened, the credit limit or loan amount, the account status, the amount of the monthly/periodic payment, and the payment history.
- Public record information such as any bankruptcies, liens, or judgments.
- A listing of entities that have requested a copy of your credit report.
- Disputes of any items on your credit report - including both the consumer's and the creditor's statements of the disputed item.
- A personal statement you may choose to include on their credit report for a purpose, such as explaining circumstances surrounding any negative reporting.
Who else can review my credit report??
The bottom line is, any entity that can show a legitimate business need may request a copy of your credit report, including prospective employers. They must inform you of their intention to pull your credit report and are usually required to obtain your signature as authorization prior to pulling your report.
What if there is an error on my credit report?
If you find an error on your credit report, simply contact the appropriate credit bureau with the disputed item information and a detailed reason for your disagreement with the reported item. The credit bureau will contact the reporting party for a response. If you and the reporting party continue to disagree on the accuracy on the reported item, both parties' comments will reflect on the credit report. The three major credit bureaus' contact information is as follows:
Experian (formerly known as TRW)
P.O. Box 2002
Allen, TX 75013
(888) 397-3742
www.experian.com
Equifax
P.O. Box 740241
Atlanta, GA 30374
(800) 685-1111
www.equifax.com
TransUnion
P.O. Box 2000
Chester, PA 19022
(800) 888-4213
www.transunion.com
What should I do if I am denied for credit due to information contained on my credit report?
If you are denied anything such as extension of credit, housing, employment, etc. due to the information contained in your credit report, the discriminating party is required to provide you, upon your request, with a copy of your credit report and an explanation of your rights under the Fair Credit Reporting Act. Review your credit report in its entirety. It is possible that you have an error that you may dispute on your report or fraud.
How do I purchase a personal credit report?
This service is coming very soon! Check back with us soon for the release date! |
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