How do credit reporting companies get my information?

Answer:

Banks, credit unions, retail credit card issuers, auto lenders, mortgage lenders, debt collectors and others voluntarily send information to credit reporting companies. 

Shared information includes:

  • When you apply for an account
  • When an account is opened
  • The amount loaned or the credit limit
  • The account balance
  • The status of your payments
  • If your account is in collection

Credit reporting companies also purchase public records like liens, bankruptcy filings, and court judgments from public records providers.

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