Consumer disclosure vs credit report?

[tnhomestead]

Found a couple posts online about consumer disclosure reports, that supposedly have a lot more info than a standard credit report. Do they actually exist? Trying to find actual date of delinquency because I am pretty sure 2 items have been reaged. Or is there another way? Both of the original creditors have been off my credit reports for several years now.

[AllZero]

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@tnhomestead wrote:

Trying to find actual date of delinquency because I am pretty sure 2 items have been reaged. Or is there another way? Both of the original creditors have been off my credit reports for several years now.

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Can you advise how or why they have reaged?

Have your checked your ACR reports? https://www.annualcreditreport.com

[tnhomestead]

I am pretty sure they went into default back about 2012 when I had some bad irs issues. I don't have any copies of my credit reports from back then unfortunately. On my new ones they show up with PRA, but even back to 2019 the original creditor no longer shows up, just the PRA  report. Need to double check my computer files, maybe I did keep a copy.

[AllZero]

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@tnhomestead wrote:

I am pretty sure they went into default back about 2012 when I had some bad irs issues. I don't have any copies of my credit reports from back then unfortunately. On my new ones they show up with PRA, but even back to 2019 the original creditor no longer shows up, just the PRA  report. Need to double check my computer files, maybe I did keep a copy.

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Who where the original creditors?

[tnhomestead]

One was credit one, just found my old card which expired in 2014. Since it was in default before the card expired, somehow it was reaged but no way to prove it that I know of.

[RobertEG]

I assume that you are using the term “consumer disclosure” to mean a report that is available ONLY to the named consumer and not to third parties, and can include any information of record in your credit file, including promotional inquiries (which, per FCRA 604(c) can be provided only to the named consumer), and that you are using the term “consumer report” to refer to reports that only receive information for which there is  listed permissible purpose under section 604.

A creditor, existing or potential, cannot receive a full “consumer disclosure”.  They can only receive a report that excludes any record of promotional inquires and other inquiries coded as "soft.".

The government-sanctioned site annualcreditreport.com was established ONLY to provide consumers with disclosure of their own credit files, and can thus include promotional and other "soft" inquiries.  Thus, use annualcreditreport.com if you seek a record of promotional/"soft" inquiries.