Credit Report

Q: I had my credit report from credit bureau. But i thought it's a wrong report in my name as it doesn't show my credit details but of someone else. How do i clear my doubts about my free credit report?

A: If you had gone with the 3-in 1 credit report then firstly compare all the reports from Experian, Transunion and Equifax and see whether all the fields are correct or not like name, address etc. If there is any incorrection then tell this about anyone of the three credit bureaus and it will contact with the other two. Make a security alert on your free credit report. The credit bureau company must correct the report within 30 days and they will dispatch  a new credit report to you. You can also get the annual credit report for free once in a year. You should be extra careful while managing business credit reports.


Q: How do i be able to get a free online credit reports and credit score without giving my credit card number for security reasons?

A: Visit the site of annual credit report company and from there you can get your credit report for free annually just once and gives you all the three agencies report. This credit report company also don't ask any type of credit card numbers from you. On most of the other sites you have to pay for getting free personal credit reports. Also for getting your credit score you have to pay for it and also you must have any credit card or debit card. The process is usually instant.


Q: For how long credit history does these credit card companies take in calculating you credit score?

A: Most of the credit card companies gave a positive impact on the credit scores older than 5 to 10 years. The older the your good credit history the better will be your credit score.