Posts Tagged ‘ FCRA ’

Sharing a merged report with a mortgage customer

Dear Experian, Is it now OK to release a customer’s tri-merge report to the customer? The tri-merged report was pulled to apply for a home loan through the seller and broker. - RHO

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When you can get free credit reports

Dear Experian, If I were denied credit recently, am I able to get a free copy of my credit to see what's on it? I've already had my free credit report for this year. - MJC

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FCRA restricts who can get your credit report

Dear Experian, Who can access my credit report? Do they have to have my permission? Is there anything you can do to prevent someone from accessing my credit report? - NNH

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Mortgage company not required to report payments

Dear Experian, I am a homeowner for five years now, and am wondering why my mortgage company does not have to report my mortgage to the three credit bureaus. I applied for a car loan and my bank told me that my home was not on any of the bureaus, so I did not need to include my mortgage payments to apply for any loans. Is this true? - SBY

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Collection agencies may try to collect a debt after it is deleted from your credit report

Dear Experian, How long can a collection agency attempt to collect a debt? Is there a time limit or statute? - CLI

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Account not reported by lender

Dear Experian, How do I add an account that is on my other reports but not on Experian? - EAL

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A brief credit reporting history

Dear Experian, Who gave permission to collect information at consumer reporting companies, and when did it start? - SPL

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Law does not require lenders to report payment history

Dear Experian, I was told by a bank that the law requires merchants and lenders to report data related to my credit. Can you point me to where I can find this legal information? - LUK

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Free credit reports under FCRA and FACT Act

Dear Experian, If you have been denied credit recently are you entitled to a credit report if it has been less than one year since you received a free report? - MML

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