Credit report and information about creditOrder credit reportGet Equifax Credit Report and Credit Score Now for $15.95!Get an Equifax 3-in-1 Credit Report Now! All 3 credit bureaus for $29.95Fair Credit Report ActIt is legal for you to obtain a credit report on someone without their permission provided you have legally valid reasons to do so in compliance with the Fair Credit Reporting Act. For example, you have a judgment against them for money owed or they currently have an open account with you.. However, the major credit reporting agencies make it very difficult for someone other than the individual themselves to pull a credit report. This is for privacy and identity theft reasons. Suitably qualified licensed mortgage brokers, banks etc. are set up to legally pull credit reports themselves. If you turn someone down based on their credit they are entitled to know why and get the name of the credit reporting agency. For the full text of the Fair Credit Reporting Act, click here. To learn who can legally obtain a credit report.
Sample Credit ReportClick here for a sample credit report with an explanation of how to read it. Credit RepairClick here to find out how to dispute wrong items on your credit report. Credit ScoreUnderstand what your FICO credit score means. Identity TheftLearn about identity theft and how to protect yourself. Computer SecurityLearn about protecting your computer from viruses and hackers.
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