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You should review your credit report from each consumer reporting agency (CRA) at least once a year and before making any large purchases, such as a home or car.You have the right to obtain one free credit report each year from each of the consumer reporting agencies through Please note that your free credit report will not include your FICO Score.

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Other factors lenders might use include: information you provided on your credit application, how much you earn, your regular expenses, and how you manage your credit, checking and savings accounts.

FICO Scores may be used when you apply for a cell phone account, cable TV and utility services, for example.

Scores are one of many factors nearly all lenders in the U. 1 piece of data to determine how much you’ll pay on a loan and whether you’ll get credit.” Such decisions include whether to approve your credit application, what credit terms to offer you and whether to increase your credit limit once your credit account is established.

FICO Scores are used in 90% of lending decisions, lenders may consider other factors when making credit decisions.

When you apply for credit—such as a credit card, auto loan or mortgage—the company from which you are seeking credit checks your credit report from one or more of the three major consumer reporting agencies.

In addition to your credit report(s), they will most likely use a credit score, such as a FICO Score along with additional information, either from one or more of your credit reports or from supplemental information you provide with your application, such as your income.

Include copies (NOT originals) of documents that support your position.

In addition to providing your complete name and address, your letter should: You may want to enclose a copy of your report with the items in question circled.

The following steps will help facilitate that mistakes get corrected as quickly as possible. Tell the CRA in writing what information you believe is inaccurate and request that they fix it.

This is called initiating a credit report “dispute.” The CRA must investigate the item(s) in question—usually within 30 days—unless they consider your dispute frivolous.

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