10-03-2012 10:44 AM
Hello everyone. First post!
This may seem like a strange question but I may need it for a potential lawsuit (long story).
It is possible to obtain a credit report from a previous year? For example, if I want to see what my credit looked like in 2008 and, more important, what was on my report back then, how do I get a copy or is it not possible? I haven't called FICO yet but I will if no one knows the answer.
10-03-2012 10:55 AM
Unfortunately if you didn't have a subscription to SW or FICO Quarterly Monitoring back in 2008 and still maintain that subscription today, then it would be impossible to get a copy. The FICO reports on here are forever deleted after 30 days of that pull.
10-03-2012 12:31 PM
Being that a credit report is simply a summary of your credit file at the time it was created, and sanitized at that to include only what the creator chooses to include, the best evidence would appear to me to be the actual contents of your file at any given point in time.
Since each entry in your credit file contains a date of its reporting, one can create a history at any point in time using a current report, and a little bit of effort.
The only items that would escape this recreation would be any that were deleted after their original reporting, and thus no longer in your file.
Unless you are trying to recapture evidence pertaining to deleted items, it appears you could produce such a history.
FICO would not appear to be the source of contact. They are not the keepers of the data. They license their algorithms to the CRAs, and must get any report of a consumer's credit file from the CRAs, just as anyone else.
10-07-2012 06:14 AM
The CRA themselves would certainly be able to recreate your report at any given time (including deleted items) from their database. So if you know what you are looking for, you could always subpoena them.
...and hope that what they return is accurate.
10-07-2012 01:33 PM
You would not need court order in view of the statutory requirement of FCRA 609(a)(1) that a consumer reporting agency must, upon request from the consumer, disclose all information in their credit file at the time of the request, subject to providing proper identitication and the requisite fee, which is currently $11.00.
Credit scores are specifically exempt from that disclosure requirement.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.