Rebuilding Your Credit

[APVA]

As for your maiden name issue, I am experiencing the same thing...  Some very old debt in the wrong name. 

I called the 3 bureaus, and was told they won't change the name on my CR until I changed it with the original creditor.   Just a heads up.

How does someone obtain their entire credit file?

[DaBears]

I would have to agree with Guiness as the debt does fall off your CR it goes into our file at the CRA's. If you are getting a Mortgage for $150,000.00 or more there is a good chance the underwriter could request your whole credit file. The process of getting home loan now a days has become very long and difficult. I reside in IL as well. I had a consumer attorney handle my Credit Reports from all 3 CRA's.

[Shogun]

It is possible that they can pull your full credit file as said before.  I totally agree with that, however, this is not the norm.  It doesn't happen on a regular basis.  The asking of the question if you have any outstanding debt does come into play.  You want to answer truthfully, so I always suggest paying/settling these old debts. Even if it's 10% or so, you could honestly then say you don't have any unpaid debt.