Frequently Asked Questions

• What Effect Will A Judgment Or Debt Have On My Credit?
  An unpaid judgment will have a significant effect on your credit.  In addition, other debts that are not judgments can still be reported on your credit report.
• How Do I Find The Cra (Consumer Reporting Agency) That Has My Report?
  The three major national credit bureaus are: Equifax P.O. Box 740241 Atlanta, GA 30374-0241 (800) 685-1111. Experian P.O. Box 2104 Allen, TX 75013 (888) EXPERIAN (888-397-3742) Trans Union P.O. … more
• Do I Have A Right To Know What's In My Credit Report?
  Yes, if you ask for it. The CRA must tell you everything in your report, including medical information, and in most cases, the sources of the information. The CRA also must give you a list of … more
• Is There A Charge For My Report?
  Sometimes. There's no charge if a company takes adverse action against you, such as denying your application for credit, insurance or employment, and you request your report within 60 days of … more
• What Can I Do About Inaccurate Or Incomplete Information in My Credit Report?
  Under the new law, both the CRA and the information provider have responsibilities for correcting inaccurate or incomplete information in your report. To protect all your rights under this law, … more