why wouldn't I be able to obtain a copy of my credit report on-line?
601037
Because you are not supplying correct verification information on yourself.\n\nYou can get your reports by mail fairly easily.
475324
If you have never had a loan or credit card you would have no credit. All three credit reporting agencies give one free credit report a year. (Experian, Equifax, Transunion)\nOr there are sites where you can purchase all three at once for about $30.00-40.00. Just be careful of the site. make sure it is secure. (Lock symbol on the bottom, https instead of just http) Wal-mart sells credit reports online.\nHowever you need a credit or debit card to buy online usually.
744248
These things are probably free, but aren't generally online.  Most of the records you're talking about are public record, and you can get copies at the relevant courthouse or police department, but these institutions don't tend to go through the time or expense of putting the information online.  \n\nIf you want to check, look up the institution which would have created the records you're looking for: county courthouse, etc.  See if they've got an online document repository.  If they don't, give them a call and the clerk will be able to help you.
42826
If you're using a current, updated browser, AND your system is clean of any spyware, there's very little chance of any danger involved in the transaction.  \n\nYou'd actually be in more danger of having information stolen if you phoned or mailed your request.\n\nPLEASE NOTE: http://www.annualcreditreport.com is the ONLY authorized online source for you to get a free credit report under federal law. You can get a free report from each of the three national credit reporting companies every 12 months. Some other sites claim to offer "free" credit reports, but may charge you for another product if you accept a "free" report.
176678
Not necessarily. The computer can only check numbers: things like your income, how many other credit accounts you have, how many other people have looked at your credit report, your credit score, etc. The "further processing required" message could mean lots of things. Perhaps the information isn't good enough for an "automatic" approval but will go to a human for a final decision. Maybe there was some reason it couldn't get your credit information right away. And yes, maybe they don't want to tell you that you were denied right away. Maybe a lot of things.\n\nIf you are denied credit, the company will send you a letter specifically stating that you were denied and why. They will also list the credit reporting companies from whom they got your credit information. If you were denied credit based on that credit report information (as opposed to something like "insuffcient income"), you are entitled by law to a copy of your credit report at no charge.
998414
#1) Pull all your reports. Not online, request actual physical copies. They usually contain more than what an online report does. This will give you a start on where you need to go with your reports. Also, keep them. Never toss them. They are proof later on if you need them to refer to if you ever get into a legal situation regarding your credit (lawsuit etc). You can get your first set free on an annual basis at annualcreditreport.com.\n\n#2) Dispute. Dispute anything that is not correct including, balance amounts, lates, etc. If you have only one or two lates, I would call your creditor and see if you can get them removed via goodwill gesture, or send a goodwill letter. You can find some great letters on some of the credit boards like creditnet.com and creditboards.com.\n\n#3.) Collections? If you have any collections on your account or anything that should not be there, send a DV (debt validation) to the creditor asking to prove the debt. If they cannot, they have to remove the debt off of your report by law.\n\n#4.) You have rights - check out http://www.ftc.gov/os/statutes/031224fcr... for more info.\n\n#5.) check out some of the posts on creditnet.com and creditboards.com for assistance. \n\n#6.) If you have no credit, or want a temporary boost - have a family member or really (really, really, really) close friend add you in as an authorized user on their credit cards. Make sure the balances are not high, otherwise this could hurt you more. The higher the available credit, the more your utilization will go down on your report - therefore bumping your score.\n\n#7.) Avoid unnecessary inquiries. Hard pulls can hurt you, so avoid applying for new credit cards unless necessary.\n\nThis of course is a shortened version of things you can try. Research info on those links I provided you. You can increase your score spending just a short amount of time per week, sending letters to creditors etc. I increased my score over 100 points in less than 6 months. Depending on your situation, this could take shorter or longer time, but at least you have somewhere to start. Good luck!
343417
AnnualCreditReport.com\n\nYou are entitled to a copy of your credit report once/year\n\nyou can obtain your actual FICO score at  www.myfico.com
729866
Sometimes (and it's odd that it got attached to all three) pulling a credit report can pull up inaccurate information when there are that many similar factors.  For example, my father and I have the same first and last name (not middle), lived at the same address, same phone number.  When I applied for a mortgage, the lending company pulled up a lot of my father's information on my report!  I almost got turned down for a mortgage because according to my report, I already had one!  \n\nFile a dispute letter with all three agencies, not just a phone call.  The bills are clearly not yours and provide proof to the fact.  The credit bureaus will remove the bill from your report and request the company provide proof that it belongs to you.  The collection agency provides information and can not control the bureau's computers from pulling up their information on someone else's report (as long as the infor the collection agency has provided is correct).  Providing physical proof to the bureaus should be enough.  If, for some unknown reason it doesn't, you may have to go legal.
535107
your driver history report? you cant get it online for free unfortunately. i tried to. you have to either go down to a main branch or mail in to your local branch, 20 dollars i think, and fill out a form that is available on your local dmv site, depending where you live.
611587
The easiest way is to ask them to submit their own credit report that they can access online for free once a year.  Or, you can have them sign a waiver and pay a fee to cover your costs so that you can access it, but it seems like you probably don't have a lawyer and it might be easier the other way.  \n\nHave them start here: https://www.annualcreditreport.com/cra/index.jsp
455388
I had to go through this recently too, and it's been 20 yrs that I graduated.  You need to directly call someone from the superintendant of schools and give them the info and they will get it for you.  I intially had someone tell me that the records wouldn't still be around, then when I talked to someone directly over the phone, it wasn't a problem at all.
853749
That's because of the privacy laws.  You have to have some "interest" in order to pull a credit score or credit report - like you're a landlord or something, doing the credit check for underwriting reasons.  And you aren't going to get it for free, because the companies that compile the information at THEIR cost, do it to sell to others, that's how they make THEIR money.
521426
if it is online..its free. or you can go to the court house itself and look at the file....also free.  if its basic info you need you can call the court clerk and they may be able to help you with some stuff. however, if you need copies of the file because its not local or not online you will have to pay.  you are not paying for the information itself, but rather the photcopies.  just like anywere else...nuthins free.
128561
Companies that allow for on-line payments usually have viewable on-line bills. You might have to dig more deeply in the website to find the links.
1160784
You can try Lexington Law Firm. They claim to specialize in this area, but as a rule the credit bureaus will tell you that No-one can remove a legitimate item from your report.
495264
Anyone can get their own credit report for free in Canada.  They charge you for the copy online but you can get it for free by the mail.  I think it's law that you can get a copy for free.  The links below will help you.  Good luck.\n\nTry Equifax:\nIf you would like to obtain a copy of your credit report immediately, for a fee, you can receive real-time on-line access to your personal credit report, credit score and a full explanation of your score and how lenders view your credit history. Simply log on to Equifax Consumer Services Canada at https://www.econsumer.equifax.ca/ca/main?lang=en. \n\nTo obtain a free copy of your credit report by mail, go to Your Credit Report and download the credit report request form. \n\n\nAnother company is TransUnion Credit:\n\nHow can I receive a copy of my TransUnion credit report?\nYou have two options for requesting a copy of your TransUnion credit report. \n\nOption One \n\nImmediate access via our online service for a fee of $14.99 (APPLICABLE TAXES ARE INCLUDED).  This service will provide you with a copy of your credit report and a credit bureau score. \n\nOption Two \nMailing your request to our Consumer Relations Department and receiving your file, free of charge via Canada Post.
1184938
It costs money to report to the bureaus, so most companies will not update the report.  Go to all 3 bureaus websites online and file disputes.  You will need the report # from the copy of your credit report and the account numbers.  The bureaus may request documentation that they were paid.  It normally takes 30-90 days for the update to be completed.\n\nwww.transunion.com\nwww.experian.com\nwww.equifax.com\n\nGood luck, and don't get too frustrated!