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Online Credit Reports

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Credit reports list your bill payment history, loans, current debt, and other financial information. They show where you work and live and whether you've been sued, arrested, or filed for bankruptcy.

Credit reports help lenders decide if they'll give you credit or approve a loan. The reports also help determine what interest rate they will charge you. Employers, insurers, and rental property owners may also look at your credit report. You won't know which credit report a creditor or employer will use to check your credit.

Credit reporting agencies (CRAs) collect and maintain information for your credit reports. Each CRA manages its own records and might not have information about all your accounts. Even though there are differences between their reports, no agency is more important than the others. And the information each agency has must be accurate.

Check your credit reports regularly to make sure that your personal and financial information is accurate. It also helps to make sure nobody's opened fraudulent accounts in your name. If you find errors on your credit report, take steps to have them corrected.

Making sure your credit report is accurate ensures your credit score can be too. You can have multiple credit scores. The credit reporting agencies that maintain your credit reports do not calculate these scores. Instead, different companies or lenders who have their own credit scoring systems create them.

Your credit freeze will go into effect the next business day if you place it online or by phone. If you place the freeze by postal mail, it will be in effect three business days after the credit agency receives your request. A credit freeze does not expire. Unless you lift the credit freeze, it stays in effect.

A medical history report is a summary of your medical conditions. Insurance companies use these reports to decide if they will offer you insurance. You have the right to get a copy of your report from MIB, the company that manages and owns the reporting database.

You can request and receive reports from LexisNexis Risk Solutions online. After your request is submitted, you will receive a letter via U.S. Mail with details explaining how to access your report online.

The free weekly reports began in April 2020 at the start of the COVID-19 crisis. The service was initially in place for a year, but it has been extended several times since then. Most recently in September 2022, Equifax, Experian and TransUnion extended the service until the end of December 2023.

Check your financial accounts online each day, Harzog says, and use the free weekly credit reports if you're worried about accurate reporting. "A late payment, for example, will stay on your report for seven years," she says. "It should fall off your report automatically, but it's important that follow up to confirm the removal."

"Anyone going through a divorce or who has been a fraud victim needs to be extra-vigilant," Harzog says. "If you're unable to pay your bills and you have an accommodation in place, then check your reports weekly to make sure your account is still listed in good standing. Lenders could make mistakes."

Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that's customized to meet specific interests you may have.

If you prefer that we do not use this information, you may opt out of online behavioral advertising. If you opt out, though, you may still receive generic advertising. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements.

Also, if you opt out of online behavioral advertising, you may still see ads when you log in to your account, for example through Online Banking or MyMerrill. These ads are

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