In a process called prescreening, the FCRA also permits prospective creditors or insurers to access certain information in your credit file in order to make you a firm offer of credit or insurance. You can opt out of prescreening. No one should request your credit report without a valid purpose allowed by the law. Anyone who uses or obtains a copy of your credit report under false pretenses may be subject to civil and criminal penalties.
Why is it important to check my credit report?
It’s important to check your credit report because credit reporting mistakes happen. They can be the result of a creditor reporting inaccurate info...
How many free credit reports can you get per year?
The number of credit reports you can get for free depends on where you get them from and whether you’ve placed a fraud alert on your credit reports...
How often should I check my credit report?
It’s generally recommended that you check your credit reports a minimum of one time a year, but you can check them as often as you like. Before you...
What’s the difference between a credit report and a credit score?
Although they are interconnected, your credit report and credit score are separate. Your credit report contains information about your credit accou...