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Guard My Credit Hits
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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
What is a statute of limitations? 4809
Is it legal to raise the interest rate on a credit card? 5566
Are employees who are card holders responsible for charges? 4740
How long are inquiries reported? 4885
Can charged off debts be reported on my credit report? 5536
Can a lender review my credit report without consent? 5297
Can they report tradelines twice on my credit report? 5097
Can creditors sell a charged off debt? 5655
What is the highest APR a credit card company can charge? 6103
What is "float time" in regard credit cards? 4650
What is an authorized user on a credit card? 5289
What do I do when my credit application is rejected? 4700
Does closing credit cards affect my credit score? 7075
What happens if I don't pay my minimum monthly payment? 5921
Can a credit card company freeze my bank account? 6615
Does checking my credit lower my score? 6140
There are several accounts that aren't showing on my credit report. Why? 4209
What can I do to make certain I have the best credit score? 5153
Can a credit card company continue to accrue finance charges on a credit card they closed? 6658
Is it good to have open credit cards with high limits and no balances? 6819
I'm doing a settlement with my credit card company, how will this reflect on my credit report? 8067
Help! There are accounts on my credit record that aren't mine. 3260
What if I disagree with the results of a credit dispute? 4328
Why does inaccurate information reappear on my credit report? 3389
How do I get incorrect credit information corrected? 3415
Can I get a copy of my credit report online? 4309
How long is a bankruptcy on my credit report? 3984
How do I get a copy of my credit record? 3883
Who can see my credit record? 3470
What information is on my credit report? 3576
How Long Can Information Stay on My Credit Report? 5239
 
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