David Millers asked: Customers who want their credit report often need to know how to get their free credit report with no credit card needed. Many companies on the Internet may say that their report is free to you, but you eventually must enter in a credit card for service. A free credit report can [...]
Tim Gorman asked: Under the Federal Fair Credit Reporting Act, the credit rating agency must remove accurate, negative information from your report only if it is over seven years old. Bankruptcy information can be reported for ten years, so this is one topic that actually states just how long negative information really stays on credit [...]
Tim Gorman asked: Lenders want to see a track record of debts owed and duly repaid. If you do not have a traditional credit record that shows payments made on credit card purchases, a car loan, or a student loan, it is still possible to establish a credit history. Many lenders have been griping that [...]