Credit reports and scores - Consumer Financial Protection Bureau
Once you request your credit reports, it’s important to know what kind of information you should be on the lookout for as you review them. Read more. Learn about the difference between credit scores and credit reports. Your credit reports and credit scores are both critical to your financial health, but they play very different roles. Read more
Credit report answers | Consumer Financial Protection Bureau
When you visit AnnualCreditReport.com, you may see steps to view your updated credit reports at no cost, online. Once you’ve received your annual free credit report, you can still request additional reports. By law, a credit reporting company can charge no more than $14.50 for a credit report. Read more
Credit report answers - Consumer Financial Protection Bureau
Take action to get your credit report and to get and keep a good credit score. Find out how with our frequently asked questions.
CFPB Proposes to Ban Medical Bills from Credit Reports
2024年6月11日 · WASHINGTON, D.C. - The Consumer Financial Protection Bureau (CFPB) today proposed a rule that would remove medical bills from most credit reports, increase privacy protections, help to increase credit scores and loan approvals, and prevent debt collectors from using the credit reporting system to coerce people to pay.
What is a credit report? - Consumer Financial Protection Bureau
2024年1月29日 · Other businesses might use your credit reports to determine whether to offer you insurance; rent a house or apartment to you; provide you with cable TV, internet, utility, or cell phone service. If you agree to let an employer look at your credit report, it may also be used to make employment decisions about you.
Final Rules - Consumer Financial Protection Bureau
2024年11月21日 · Rules listed here are final rules issued by the CFPB. To identify all the rules related to a single consumer financial product, use the filter tool below.
Consumer voices on credit reports and scores
2024年8月6日 · To better understand consumers’ perspectives on their credit reports and scores, we conducted focus groups with consumers from diverse backgrounds across the country. Through this research, we examined issues such as whether consumers were checking their credit scores and reports, how they were doing it, and what motivated them to check it.
Consumer reporting companies - Consumer Financial Protection …
Consumer reporting companies must follow legal restrictions, but generally can provide consumer reports and risk scores to an array of businesses, including: Lenders (including those that offer credit cards , home , payday, personal , title , auto including auto leasing, student loans , security deposit financing and lease guarantees on home ...
Credit reports and scores key terms - Consumer Financial …
A credit report is a statement that has information about your credit activity and current credit situation such as loan paying history and the status of your credit accounts. Credit reporting company. Credit reporting companies, also known as credit bureaus or consumer reporting agencies, are companies that compile and sell credit reports.
How do I get a free copy of my credit reports?
By requesting the reports separately (for example, one every four months) you can monitor your credit report throughout the year. Once you’ve received your annual free credit report, you can still request additional reports. By law, a credit reporting company can charge no …