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How much will it cost me to obtain a copy of my credit report?

The cost of your credit report will vary upon which bureau you request it from and which state you live in.

Can anyone get a copy of my credit report?

No, some individuals and businesses are allowed, for business reasons, to obtain credit reports on people other than themselves, but there are strict laws and penalties in place to ensure that this privilege is not abused.

Does the death of a spouse affect my credit?

If you and your spouse share a checking or savings account, by law a creditor cannot automatically close the account or change the terms because of the death of your spouse. You may, more than likely, be asked to update your application or reapply in your own name. The creditor will then decide whether to continue your credit or change your credit limits.

Will I be notified if a debt is added to my credit report?

In most states, creditors do not have to notify you before contacting the credit bureaus with a debt report.

How long will late payments or bankruptcy remain on my credit report?

Late payments (30 days past the due time) will appear on your credit report for 7 years and a bankruptcy will appear on your credit report for 10 years.