Epic Contributor
Posts: 23,393
Registered: ‎03-19-2007
Re: Historical Credit Report

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.