04-28-2012 03:35 PM
04-29-2012 05:55 PM
Any consumer is entitled to request his or her credit report once annually. If they have a file on you, they must provide the free report of its content.
The key is whether anyone has reported to them, and thus whether you have a file.

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
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