topic credit reporting...Is this possible? in General Credit Topics

credit reporting...Is this possible?

Anonymous — Tue, 25 Nov 2014 19:56:35 GMT

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?

Re: credit reporting...Is this possible?

RobertEG — Tue, 25 Nov 2014 22:56:15 GMT

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.

Re: credit reporting...Is this possible?

Anonymous — Wed, 26 Nov 2014 00:21:22 GMT

Thanks! Great to know.