Sentences with phrase «to access one's credit file»

Since no one can access your credit file without your permission, your authorization is required any time an organization wants to have your score calculated.

By freezing your credit reports, you can prevent credit issuers from accessing your credit files except when you give permission.

That means creditors can not access their credit files, so they can not update them or change them while frozen.

Each time you apply for credit from of these lenders, the lender accesses your credit file to find out about your performance under earlier credit agreements with other lenders.

A credit freeze will totally «lock» your credit — no one will be able to access your credit file without you unfreezing the file first.

Every time a lender accesses your credit file, they leave -LSB-...]

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.

An «inquiry» is a listing of the name of a credit grantor or authorized user who has accessed your credit file.

Some examples of those who can access your credit files are:

Otherwise, only you, and only those who you give written permission, can access your credit files.

And, of course, you can always pay a fee to access your credit file.

That PIN is required in order to access your credit files.

However, restrictions on credit reports do not apply to your existing creditors, debt collectors collecting for your existing creditors, or government agencies under certain circumstances (e.g., court or administrative order, subpoena, search warrant), all of which will still be able to access your credit file.