Credit Inquiries The final part is inquiries. That’s a list of everyone who asked to see your credit report. Any time anyone gets into the report, it’ll post an inquiry. That means if you try to apply for a credit card,…
Public Records The next section is the part you want to be blank. The public records section is never a good story. If you have a public record on there, you’ve had a problem that has required litigation. It doesn’t…
Collection Accounts Collection accounts are accounts that are seriously past due and have been transferred to an attorney, collection agency or creditor’s internal collection agency. As your debt is transferred between different agencies, you may see several records on your…
Identifying Credit Information Once you get a copy of your credit report, it’s important to know how to read it. There are going to be an awful lot of numbers, abbreviations and terms you’ve never seen before. Trade lines, charge-offs,…
Obtaining Your Credit Report The first step you need to take when trying to fix your credit score is to find out what your score is and what it means. Legislation called the FACT Act was passed that allows all…
