Q. Why is my credit report different among the 3 national credit reporting agencies?
A. When creditors report information to the credit agencies, they can choose which bureau(s) they want to report to. Some report to only 1 credit bureau, whereas many creditors report to all 3. When a creditor chooses to only report to 1 or 2 of the bureaus, the remaining bureau(s) will not have access to that account information in your credit report. Similarly, the credit bureaus do not share information and one bureau may report information that is inconsistent with the other two bureaus.
Q. Why is it important to check my credit report at all 3?
A. When creditors, landlords, and potential employers check your credit history, they can pull your credit report & credit score from any bureau(s). Some only check 1 bureau; some always check all 3. By checking all 3 yourself, you'll be prepared no matter which bureau(s) they go to.
Q. I wasn't able to receive my Online Credit Report or the transaction failed. Was I charged?
A. Your cred/debit card is charged as soon as your credit report is ordered. If you fail the online identification process and cannot view your report, you agree to call our Customer Service and answer questions orally to fulfill the identification process. After passing our identity authentication process, you may view your report online. There are no refunds for our service as we cannot get a refund for obtaining your information from the credit bureaus. However, after passing our identification process, you will be allowed to see your credit report online.
Q. What happens if I fail your online identity authentication process?
A. If you fail to our online authentication process for any reason, you will need to call our customer service, and your identity wil be authenticated manually. After successful authentication of your identity, your credit report will be available to you online.
Q. What is your refund policy?
A. We do not issue refunds after your credit report has been ordered and processed. This is because we cannot get refunds for your credit information from the 3 national credit agencies after we have purchased it..
Q. Will my credit report include a score?
A. Our credit reports do not not include scores unless you order the report with a score. Scores must be ordered with your credit report and cannot be ordered after your credit report order has been processed.
Q. How long does it take to get my report?
A. For online delivery you should get your report virtually within seconds as long as you pass our identity verification process.
Q. How long will my credit report be available?
A. Your report is available online for at least 60 days after it is delivered. It's a good idea to print a copy for your records when you first view it.
Q. Can you fax or email my credit report?
A. For security purposes, we do not fax or email credit reports.
Q. Can you mail my credit report to my attorney?
A. We cannot send your credit report to an attorney or in care of another person. We can only deliver your credit report to you via our online delivery system.
Q. How is a 3 Bureau credit report different from a single-bureau credit report?
A. The 3 Bureau report includes your credit information as reported from all 3 national credit agencies - Experian, Equifax, & TransUnion. A single-bureau credit report only contains your credit information on file at one of those 3 bureaus.
Q. Why didn't I get my credit report?
A. Although we usually deliver credit reports to our customers within seconds, there are some instances that prohibit us from doing so. These include:
- There is not enough information to compile a 3 Bureau report for you. Sometimes a credit bureau does not return information about a consumer.
- We are experiencing a technical networking issue.
- We are not able to verify your identity.
- There is an alert on your credit report at one of the 3 credit agencies that prohibets us from delivering your report.
