How can I find out what’s in my medical payment history?
You should contact the consumer reporting agencies that specialize in medical records or payments. These agencies may supply reports on your prescription drug purchase histories, medical conditions, data from your insurance applications, and data from ...
I’ve been looking for a job. What do employers see when they do credit checks and background checks?
Hundreds of companies provide employment background checks and qualify as consumer reporting agencies. Employment reports often include credit checks, criminal background checks, public records–such as bankruptcy filings and other court documents–and ...
Do auto and homeowners insurance companies share my information about claims and policies?
Yes. There are specialty consumer reporting agencies that collect information about the insurance claims you have made on your property and casualty insurance policies, such as your homeowners and auto policies. They may also collect driving records. ...
My bank or credit union closed my checking account. Will this hurt my credit?
The big three consumer reporting companies– Experian, Equifax, and TransUnion – typically do not include information about your checking account or check-writing history in traditional credit reports. However, checking account reporting companies do ...
It might. Most utility companies don’t report to the big three consumer reporting agencies (CRAs) whether or how regularly you pay on time. However, if you fail to pay a bill and it is sent to a collection agency, that ...
Could late rent payments or problems with a landlord be in my credit report?
Yes. At least one of the big three consumer reporting agencies, Experian, uses rental payment and collection information in its credit reports. But Experian’s data currently only covers a small portion of rental properties. None There are also ...
What are specialty consumer reporting agencies and what kind of information do they collect?
Specialty consumer reporting companies collect and share information about your employment history, transaction history with a business or repayment history for a specific product or service. None The information specialty consumer reporting companies ...
Should I request credit reports for my children?
Children under age 18, with a few exceptions, generally do not have credit reports. Credit reporting companies (sometimes called consumer reporting agencies or CRAs) create and maintain credit files with information about consumers, including ...
