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Help Hub - Credit Reports

Below are the most frequently asked questions about credit reports.

What are credit reports?

A credit report has information about your credit activity and current credit situation such as loan paying history and the status of your credit accounts. Credit reporting agencies (credit bureaus) collect and store data about you that is reported to them by creditors, collection agencies and courts.

Credit Reports Frequently Asked Questions

What is the best site to get all 3 credit reports?

You can get a free annual credit report from each of the three credit reporting agencies which include Equifax, Experian, and TransUnion at

Should all 3 credit reports be the same?

No. Lenders, collectors, and courts don't always report to all three bureaus. Therefore, all three credit bureaus can show different information. That's why it is best to monitor all three credit reports.

Can you remove late payments from credit report?

Accurate and verified late payments can stay on your credit reports for 7 years. If you feel a late payment is inaccurate, you can dispute it yourself, or hire a professional credit repair company like which specializes in removing inaccurate late payments.

What is the Fair Credit Reporting Act?

The Fair Credit Reporting Act (FCRA), was enacted in 1970 to insure accuracy, fairness, and the privacy of personal information being reported by credit reporting agencies (CRAs).

What is aTri Merge credit report?

A tri-merge credit report combines the credit information from the three credit bureaus of ExperianTM, Equifax® and TransUnion® into a single report.

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