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Do-It-Yourself Credit Repair
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What Is Credit?
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What Is a Credit Score?
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What Is a Credit Report?
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Removing Negative Records
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Dispute Strategies
- Disputing Primary Creditor Records
- Disputing Charge-Off Records
- Removing Remarks
- Disputing Third-Party (Debt Collectors) Records
- Time-Barred Debts
- Disputing Medical Records
- Strategies for Removing a Bankruptcy Record
- Avoiding Frivolous Disputes
- Avoiding the Credit Bureau's Automated System
- Making a Settlement Offer
- To Add or Not To Add a 100 Word Statement
- What to Do if the Credit Reporting Agency is Unresponsive
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Credit Building Strategies
Credit Repair
What Is a Credit Report?
Who Is Allowed to Get a Copy of Your Credit Report?
If a business or individual has a valid reason to review your report and has your permission to do so, they can get a copy of your report. Keep in mind you might not know you're giving permission; your "permission" is often included in the fine print of the credit card, loan, or employment application you sign.
Here's a quick summary of who can review your report:
- Creditors: Anyone you ask to grant you credit, including for a credit card, a car loan, a student loan, or a mortgage
- Landlords: If you submit an application to rent an apartment
- Employers: If you submit a job application
- Insurance Companies: If you apply for insurance, including auto, homeowner's, renter's, and medical insurance
- Professional Licensers: If you apply for certain professional licenses, including investment banking, stock trading, and gambling licenses
- The Courts: Your credit record can be viewed by court order or subpoena
- Collection Agencies: If you have defaulted on an account and it is sold to a third-party debt collector
- Internal Revenue Service: If you owe the IRS money
- You: Last, but definitely not least, you are allowed to review your own credit report (see the section below on Obtaining Your Credit Report)
