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TODAY'S CREDIT TIP Credit bureaus do not allow everyone to see your credit report. Only those who can prove a legitimate need may have a copy of your credit files. In almost all cases, your written or oral permission or your signature on a credit application is ... Read more

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HOW TO DISPUTE CREDIT REPORT ERRORS

Your credit report--a type of consumer report--contains information about where you work and live and how you pay your bills. It also may show whether you've been sued or arrested or have filed for bankruptcy. Companies called consumer reporting agencies (CRAs) or credit bureaus compile and sell your credit report to businesses. Because businesses use this information to evaluate your applications for credit, insurance, employment, and other purposes allowed by the Fair Credit Reporting Act (FCRA), it's important that the information in your report is complete and accurate. Some financial advisors suggest that you periodically review your credit report for inaccuracies or omissions. This could be especially important if you're considering making a major purchase, such as buying a home. Checking in advance on the accuracy of information in your credit file could speed the credit-granting process.

HOW MUCH DOES A CREDIT REPORT COST?

Each credit bureau may charge you up to $9.00 for a copy of your report. However, you are entitled to one free report a year if you can show that: your report is inaccurate because of fraud; you're on welfare; or you're unemployed and plan to look for a job within 60 days. There also is no charge if a company has taken adverse action against you, such as denying your application for credit, insurance or employment, and you request your report within 60 days of receiving the notice of the adverse action. Certain states also have passed legislation which entitle you to a free report or a report at a reduced rate. If You Live In: Your First Report Is: Additional Reports Are: California $8.00 $8.00 Colorado Free $8.00 Connecticut ... Read more

WHY DID THE CREDIT REPORTING BUREAU REJECT MY APPLICATION ?

Credit bureaus do not make decisions whether or not to grant credit. It was the lender, not the credit bureau, that made the decision not to approve your application. Each lender sets its own standards about whom to lend to. The vast majority of lenders base lending decisions on information provided by the three largest credit bureaus: Equifax, Experian and Trans Union.

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What's a credit report? A report of an individual's credit history prepared by a credit bureau and used by a lender in determining a loan applicant's creditworthiness. Credit reports are usually based on the individuals: credit history; who reviewed the credit history; information that has been given to the credit information company; specific identification information; and any explanatory notes and comments.

What is a credit score? A credit score is a number that lenders use to estimate risk. Experience has shown them that borrowers with higher scores are less likely to default on a loan. Scores are generated by plugging the data from your credit report into software that analyzes it and cranks out a number. The three major credit reporting agencies don't necessarily use the same scoring software, so don't be surprised when you discover that the scores they generate for you are different. Because the software used to calculate a vast number of reports was created by Fair Isaac Corporation (FICO), credit score reports are sometimes called FICO scores.