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credit reporting...Is this possible?

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Anonymous
Not applicable

credit reporting...Is this possible?

Ok, so I'm wondering if there us any way to get a complete record of credit report from CRAs? Similar to a full factual report, but without needing each item to be verified. I had some accounts back in 2003-2005 that have since fallen off my reports, but was interested in making good on as many as I can.

In other words, just looking for complete list of data for OC accounts. Any ideas or suggestions?
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RobertEG
Legendary Contributor

Re: credit reporting...Is this possible?

Realizing that consumer reports are always summaries of your file, and that they exclde information that a consumer may want, the FCRA permits a consumer to request "all information in the consumer's file at the time of the request..."   See FCRA 609(a)(1)

 

Such requests permit the CRAs to charge a processing fee, which is currently $11.00, and must also be accompanied by proof of the consumer's identitiy.

 

 

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Anonymous
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Re: credit reporting...Is this possible?

Thanks! Great to know.
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