Credit Score and Credit Report FAQ

Q: How often should I check my credit report?

A: It is recommended that you check your credit report from all three reporting agencies once a year.

Q: When I get married does our credit get combined?

A: No however if you have a joint account with your spouse it will be displayed on both your accounts.

Q: What is the best way to fix my credit report?

A: The absolute best thing to improve your credit report is time. No agency can fix it for you better than the time you take yourself. Repair errors, close unneeded accounts and pay bills on time. If you can do all that, then your credit will only get better.

Q: How long is information on my credit report?

A: Most information is listed on your report for 7 years, but all types of bankruptcies are listed for 10 years. Good information is listed there indefinitely.

Q: How does good credit help me?

A: A good credit score gives you better interest rates, reduced annual fees, savings of thousands of dollars on big purchases like mortgages and auto loans.