Question 11 offers from credit card companies that you have not applied for do not affect your credit score. The answer to that is true. Typically, credit card companies get information from your credit report on what they call a soft inquiry. They'll contact the credit bureaus and they say, give me everyone with a score between 600 to 700. Or give me everybody that lives in a zip code or something of that nature. That's and those are soft hits, so they do not affect your score.

Federal law states that a negative item must stay on your credit report for a minimum of seven years. Obviously, I shouldn't say obviously, that is false, even though I don't have that Answer up there. I will correct that. The answer is false. An item, there is no federally mandated law that states an item has to stay on a credit report for a certain period of time, the maximum is seven years and that is determined by the date of last activity. By law, every American is entitled to which of the following a full written explanation from the lender when denied credit.

You have a right to a credit score for free. a free copy of your credit report annually from each of the credit reporting bureaus or an extra 30 day grace period on all credit card accounts. The answer is a free copy of your credit report annually from each of the credit reporting bureaus. There at annual credit report. com you can receive a free credit report. You can do it also without damaging your score more often than once a year, but it typically will cost you eight to $10 per report from each Bureau.

Which of the following is not included in our on a credit report? Public Records, current and previous mailing addresses. current and previous employers are information about checking and savings accounts. What is not on your credit report is information about checking and savings accounts. Question 15 You can include a 100 word statement on your credit report. The answer to this is yes you can.

So it's true However, there is once you do that you've proven the fact that the item is correct. Um, unless you state that as is incorrect, but then you have to challenge it. It does not affect your score. Your hundred word statement does not affect your score.