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FAQ's About Credit, Credit Reports & FCRA
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Credit, Credit Reports and your Rights can be confusing and frustrating, even for those that are in the industry.

Here we've tried to address the more frequent questions.

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Item Title Hits
Are employees who are card holders responsible for charges? 4109
Can a credit card company continue to accrue finance charges on a credit card they closed? 5992
Can a credit card company freeze my bank account? 5644
Can a lender review my credit report without consent? 4578
Can charged off debts be reported on my credit report? 4885
Can creditors sell a charged off debt? 5027
Can I get a copy of my credit report online? 3640
Can they report tradelines twice on my credit report? 4416
Does checking my credit lower my score? 5493
Does closing credit cards affect my credit score? 6503
Help! There are accounts on my credit record that aren't mine. 2751
How do I get a copy of my credit record? 3377
How do I get incorrect credit information corrected? 2897
How long are inquiries reported? 4277
How Long Can Information Stay on My Credit Report? 4642
How long is a bankruptcy on my credit report? 3453
I'm doing a settlement with my credit card company, how will this reflect on my credit report? 6982
Is it good to have open credit cards with high limits and no balances? 6222
Is it legal to raise the interest rate on a credit card? 4932
There are several accounts that aren't showing on my credit report. Why? 3672
What can I do to make certain I have the best credit score? 4554
What do I do when my credit application is rejected? 4075
What happens if I don't pay my minimum monthly payment? 5240
What if I disagree with the results of a credit dispute? 3776
What information is on my credit report? 3023
What is "float time" in regard credit cards? 4071
What is a statute of limitations? 4104
What is an authorized user on a credit card? 4609
What is the highest APR a credit card company can charge? 5218
Who can see my credit record? 2911
Why does inaccurate information reappear on my credit report? 2861
 
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03/10/2010 01:43:49