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A report generated by one of the three major credit bureaus may not contain all of the information pertaining to your credit history.
Therefore, if you want a complete view of your credit record at a particular moment, you should examine your report from each bureau at the same time.
A: Credit bureaus get information from your creditors, such as a bank, credit card issuer, or auto finance company.
They also get information about you from public records, such as property or court records.
A: If you are denied credit, insurance, or employment–or some other adverse action is taken against you, such as lowering your credit limit on credit card account–because of information in your credit report, the lender, insurance company, or employer must notify you and provide you with the name, address, and phone number of the credit bureau that provided the credit report used to make the decision.
You can get a free credit report from this credit bureau if you request it within sixty days after receiving the notice.
You can have your name and address removed from these lists by opting-out of the listing.
This will reduce the number of unsolicited offers you receive.
If you want to opt-out permanently, you will need to fill-out, sign, and mail-in a form.To opt-out, call 888-5-OPTOUT (888-567-8688) or visit You will need to provide certain information in order to opt-out, such as your name, address, Social Security number, and date of birth.A: Credit bureaus may sell the names and addresses of consumers who meet specific credit criteria to creditors or insurers, who must then offer them credit or insurance.For example, a creditor could request from a credit bureau the names and addresses of consumers who have a credit score of 680 or higher and then offer credit to those consumers.However, if you wish to detect any errors and monitor changes in your credit profile over time, you may wish to review a single credit report every four months.A: Because credit reports contain sensitive personal information, access to them is limited.A: No, credit bureaus do not make credit decisions.They provide credit reports to lenders who decide whether to grant you credit.Your credit history is important to a lot of people: mortgage lenders, banks, utility companies, prospective employers, and more.So it’s especially important that you understand your credit report, credit score, and the companies that compile that information, credit bureaus.