Sentences with phrase «have access to your credit file»

Your agent and members of the agency staff do not have access to your credit file.

Not exact matches

After a slow and steady recovery following the housing crisis of 2008, Leibowitz explains that American consumers generally had fewer problems with their mortgages, better employment prospects, and greater access to credit, which made them less likely to file.

If you have a friend or family member who is willing to grant you access, that credit card would appear on your credit file.

Entities that may still have access to your Equifax credit file include: companies like Equifax Global Consumer Solutions which provide you with access to your credit report or credit score, or monitor your credit file; federal, state, and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection purposes; and companies that wish to make pre-approved offers of credit or insurance to you.

Answer 3: I have to say it's a combination of both: easy access to consumer data and how easy the credit bureaus make it for creditors to retrieve a credit file.

You will have 24/7 access to your Client Portal and you can check to see the status of your progress as your credit file is updated.

You do have the right to access your credit report information and to report and have changes made to your credit file if there is an inaccuracy or if you want to include a comment.

The criminals would then use all of the available information to file a fraudulent tax return, in the hopes of accessing possible tax credits to inflate a tax refund.

If you want to take out a loan, lenders can access your credit file to see if you've defaulted on accounts or made late payments to them.

A credit repair business and its salespersons, agents, and representatives, and independent contractors who sell or attempt to sell the services of a credit repair business, shall not do any of the following: (1) Charge or receive any money or other valuable consideration prior to full and complete performance of the services that the credit repair business has agreed to perform for or on behalf of the consumer; (2) Charge or receive any money or other valuable consideration solely for referral of the consumer to a retail seller or to any other credit grantor who will or may extend credit to the consumer, if the credit that is or will be extended to the consumer is upon substantially the same terms as those available to the general public; (3) Represent that it can directly or indirectly arrange for the removal of derogatory credit information from the consumer's credit report or otherwise improve the consumer's credit report or credit standing, provided, this shall not prevent truthful, unexaggerated statements about the consumer's rights under existing law regarding his credit history or regarding access to his credit file; (4) Make, or counsel or advise any consumer to make, any statement that is untrue or misleading and which is known or which by the exercise of reasonable care should be known, to be untrue or misleading, to a consumer reporting agency or to any person who has extended credit to a consumer or to whom a consumer is applying for an extension of credit, with respect to a consumer's creditworthiness, credit standing, or credit capacity; or (5) Make or use any untrue or misleading representations in the offer or sale of the services of a credit repair business or engage, directly or indirectly, in any act, practice, or course of business which operates or would operate as a fraud or deception upon any person in connection with the offer or sale of the services of a credit repair business.

Previously, consumers who wanted to prevent access to their TransUnion and Equifax files had to contact each credit bureau separately to request individual blocks of their credit reports.

Most new applications will automatically be declined because without access to your file, the creditor will have no way to evaluate your credit.

Every adult who has ever applied for a personal loan or credit card or borrowed money to buy a car or house has a credit file and can access them by visiting the official Equifax or TransUnion sites.

Every lender that checks your credit report or score after the statement has been placed in your credit file gets access to the statement.

If you have a friend or family member who is willing to grant you access, that credit card would appear on your credit file.

With a freeze in place, your credit file will not be released to anyone who requests it (creditors you already do business with will still have access to your file).

As the FRBNY noted, people who filed bankruptcy had access to more new lines of credit than those who limped along in a poor financial state.

But States of the US, municipalities whose States don't allow them to file for Chapter 9, members of the EU, and other Semi-Sovereign credits that don't have access to a printing press have it tougher, but I think the same test applies.

The death or bankruptcy filing of a co-signer can trigger ruinous consequences for borrowers who have been paying their loans on time for years, such as negative credit reports that make it harder for them to get a job or access loans.

Married couples who file jointly have access to certain credits and deductions, like the Earned Income Tax Credit, and the student loans interest deduction, which they would not get if they filed «married filing separately.»

In addition, I have added the Reserve Fund lawsuit, together with a more conventional subprime - related lawsuit filed last week against the Canadian Imperial Bank of Commerce (about which refer here) to my list of subprime and credit crisis - related securities lawsuits, which can be accessed here.

According to the CBC (I haven't found the decision yet), the Federal Court of Canada has called Bell «reprehensible» for accessing a customer's credit file without consent and then showing disdain for his complaint.

Having the ability to «easily lock and unlock access to their Equifax credit files» would be a helpful tool to prevent fraud without inconveniencing yourself, though people currently still have to pay for freezes at Experian and TransUnion, the other big credit bureau.

As Kris Kirchner, President of First Florida Insurance Network of Central Florida explains, the parents will have an established credit file and likely be eligible for a better tier of rating (especially if they have higher limits of liability), as well as access to multi-car discounts.