My credit report Georgia

Will checking my my credit report Georgia own credit harm my score?Checking your own credit data online through a service like TrueCredit will not harm your credit score. You can check your credit regularly or can sign up for a monitoring program to automatically review your data without worrying about causing any damage to your credit score. Why are inquiries recorded?Inquiries are recorded so that potential creditors and lenders can view how often you have applied for new credit. Potential creditors may think you are trying to spend beyond your means if there are too many inquiries on your credit report.

You can still shop around for a loan; multiple inquiries for the same purpose in a short amount of time are commonly grouped into one less harmful inquiry session. Inquiries are also helpful for consumers because they can notify you of a potential identity thief applying for my credit report Georgia accounts in your name. credit and report How long do they last?my credit report Georgia Most hard inquiries remain on your credit report for two years from the original placement.

All inquiries must stay on your credit report for at least a year. You are allowed to dispute inquiries on your credit report, but it can be difficult to prove that the inquiry is indeed inaccurate. If you are unsure of where an inquiry came from, try contacting the company listed before sending off a letter of dispute. Who can place an inquiry?According to the Fair Credit Reporting Act, only people with legitimate business needs can access your credit information. fcra free credit report This includes creditors, lenders, insurers and landlords who need to review your credit as a part of an application process. Each inquiry record will only appear on the credit report that was checked for the application. For example, if a lender checks your TransUnion credit history to help determine your rates, this inquiry record will only appear on your TransUnion credit report. How can I limit who makes inquiries?You may request that consumer reporting agencies do not distribute your name on lists used by creditors and insurers to make unsolicited offers of credit and insurance. Requests can be made by telephone or in writing by filling out a form available from each credit my credit report Georgia reporting agency. Phone - my credit report Georgia Call (888) 5-OPT-OUT to notify all three credit bureaus (Experian, Equifax, and TransUnion) that you wish to opt-out of pre-screen offers. legitimate free credit report Online - Opt out of pre-approved offers of credit or insurance at www.optoutprescreen.com.

The level of opt-out permanence can be chosen on the site.

Mail - Opt out of pre-approved offers my credit report Georgia of credit or insurance via written request using the following address:TransUnion Name Removal OptionP.O. Box 505Woodlyn, PA 19094Written requests are permanent.