Credit Questions

Where can I get my TransUnion credit report?

The free Credit Sesame membership includes monthly credit score updates, credit monitoring, as well as our base level of identity theft protection. Much of the data from your TransUnion credit report can be fou...

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I don't recognize accounts appearing on my credit report?

Having trouble recognizing certain liabilities on your MyDebt page? You're not alone. If you haven't recently reviewed a copy of your credit report recently it is possible that your may have you may have questi...

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What is a collection account?

Typically collection accounts result from unpaid bills such as cable, mobile phone, utilities, rent, or medical procedures. Collection agencies will purchase the unpaid bill, often for only a small fraction of ...

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Why is the balance on my account incorrect on my credit report?

Creditors typically only report to the credit bureaus once a month. This means that when you see a copy of your credit report, your balances could be up to 30 days old. If you are paying off a liability, you ma...

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Why doesn't my account appear on my credit report?

There can be several reasons why an account may not appear on your credit report. There is actually no requirement that a bank report your account to a credit bureaus. Most large banks and financial institutio...

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What is a thin credit file?

A credit report is considered a "thin file" when there is not enough credit history to generate a credit score. In order for credit scoring algorithms to generate a score they need some reported payment history...

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What types of accounts typically report on my credit report?

Consumers are often surprised to discover that not all of their bills are reported to credit bureaus. The types of accounts that do typically report to credit bureaus include: credit and charge cards, installm...

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