{"id":207,"date":"2015-12-11T02:35:06","date_gmt":"2015-12-11T02:35:06","guid":{"rendered":"http:\/\/demo.themefyre.com\/catalyst\/?page_id=207"},"modified":"2026-03-13T12:58:36","modified_gmt":"2026-03-13T12:58:36","slug":"credit-report","status":"publish","type":"page","link":"https:\/\/creditrepairbusinesswebsites.com\/vibrant\/credit-report\/","title":{"rendered":"Credit Report"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;section&#8221; _builder_version=&#8221;4.27.4&#8243; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_direction=&#8221;90deg&#8221; background_color_gradient_stops=&#8221;gcid-5dfd8751-cf84-493b-8c78-04e196227464 0%|rgba(141,176,53,0) 100%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_image=&#8221;https:\/\/creditrepairbusinesswebsites.com\/vibrant\/wp-content\/uploads\/2024\/06\/a_group_of_diverse_professionals_standing_in_a_circle_smiling_and_placing_their_hands_together_in_the_center.webp&#8221; custom_padding=&#8221;5vw|0px|5vw|0px|true|true&#8221; custom_padding_tablet=&#8221;14vw|0px|8vw|0px|false|false&#8221; custom_padding_phone=&#8221;24vw||10vw||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{%22gcid-66c680e7-b65d-49e4-ab4d-045d6653ce59%22:%91%22background_color_gradient_stops%22%93,%22gcid-5dfd8751-cf84-493b-8c78-04e196227464%22:%91%22background_color_gradient_stops%22%93}&#8221;][et_pb_row custom_padding_last_edited=&#8221;off|tablet&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_enable_image=&#8221;off&#8221; width_tablet=&#8221;&#8221; width_phone=&#8221;&#8221; width_last_edited=&#8221;on|desktop&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;0px|0vw|0px|0vw|true|true&#8221; custom_padding_tablet=&#8221;0px||0px||true|false&#8221; custom_padding_phone=&#8221;16vw||16vw||false|false&#8221; global_colors_info=&#8221;{%22gcid-66c680e7-b65d-49e4-ab4d-045d6653ce59%22:%91%22background_color_gradient_stops%22%93,%22gcid-5dfd8751-cf84-493b-8c78-04e196227464%22:%91%22background_color_gradient_stops%22%93}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; background_enable_image=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Title&#8221; _builder_version=&#8221;4.27.4&#8243; text_font=&#8221;|700|||||||&#8221; text_text_color=&#8221;#747d88&#8243; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.9em&#8221; header_font=&#8221;|700|||||||&#8221; header_text_color=&#8221;gcid-66c680e7-b65d-49e4-ab4d-045d6653ce59&#8243; header_font_size=&#8221;60px&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#20292F&#8221; header_2_font_size=&#8221;3em&#8221; header_2_line_height=&#8221;1.1em&#8221; text_orientation=&#8221;center&#8221; width=&#8221;80%&#8221; width_tablet=&#8221;90%&#8221; width_phone=&#8221;90%&#8221; width_last_edited=&#8221;on|desktop&#8221; max_width_tablet=&#8221;100%&#8221; max_width_last_edited=&#8221;off|desktop&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;0px||0px||true|true&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;bottom&#8221; animation_intensity_slide=&#8221;4%&#8221; header_font_size_tablet=&#8221;48px&#8221; header_font_size_phone=&#8221;36px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; header_2_font_size_tablet=&#8221;3em&#8221; header_2_font_size_phone=&#8221;2.4em&#8221; header_2_font_size_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{%22gcid-66c680e7-b65d-49e4-ab4d-045d6653ce59%22:%91%22header_text_color%22%93}&#8221;]<\/p>\n<h1>Don&#8217;t Wait! Let us help you correct your credit..<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|desktop&#8221; admin_label=&#8221;Creative Process Section&#8221; _builder_version=&#8221;4.27.4&#8243; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;6vw|0px|6vw|0px|true|true&#8221; custom_padding_tablet=&#8221;10vw||10vw||true|true&#8221; custom_padding_phone=&#8221;16vw||16vw||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row admin_label=&#8221;Our Promise&#8221; _builder_version=&#8221;4.27.4&#8243; width_last_edited=&#8221;off|desktop&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; custom_margin_tablet=&#8221;||4vw||false|false&#8221; custom_margin_phone=&#8221;||4vw||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; animation_style=&#8221;fade&#8221; animation_direction=&#8221;top&#8221; 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custom_margin=&#8221;0px||0px||true|true&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;bottom&#8221; animation_intensity_slide=&#8221;4%&#8221; header_font_size_tablet=&#8221;44px&#8221; header_font_size_phone=&#8221;36px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1><strong>Unlock Your Financial Potential with [Company Name]<\/strong><\/h1>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Subtitle&#8221; _builder_version=&#8221;4.27.4&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#747d88&#8243; text_font_size=&#8221;16px&#8221; header_font=&#8221;||||||||&#8221; text_orientation=&#8221;center&#8221; max_width=&#8221;60%&#8221; max_width_tablet=&#8221;100%&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|tablet&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;10px||||false|false&#8221; animation_style=&#8221;slide&#8221; 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_module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;24\/7 Online Customer Portal&#8221; use_icon=&#8221;on&#8221; font_icon=&#8221;&#xf64a;||fa||900&#8243; icon_color=&#8221;gcid-5dfd8751-cf84-493b-8c78-04e196227464&#8243; image_icon_background_color=&#8221;RGBA(255,255,255,0)&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;2vw&#8221; image_icon_width_tablet=&#8221;6vw&#8221; image_icon_width_phone=&#8221;6vw&#8221; image_icon_width_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h5&#8243; header_font=&#8221;|700|||||||&#8221; header_font_size=&#8221;1.6em&#8221; header_line_height=&#8221;1.3em&#8221; header_font_size_tablet=&#8221;1.6em&#8221; header_font_size_phone=&#8221;1.6em&#8221; header_font_size_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{%22gcid-5dfd8751-cf84-493b-8c78-04e196227464%22:%91%22icon_color%22%93}&#8221;]<\/p>\n<p>Our 24\/7 online customer portal provides our clients with convenient access to their account information, credit reports, and updates on their credit repair progress, anytime and anywhere.<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; 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You can also reach us via telephone without any charge to your account. Let us know, and we\u2019ll assist you.<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;History&#8221; _builder_version=&#8221;4.27.4&#8243; background_color=&#8221;#e7efef&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_direction=&#8221;90deg&#8221; background_color_gradient_stops=&#8221;#d5dee8 30%|rgba(213,222,232,0) 100%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_color_gradient_start=&#8221;#d5dee8&#8243; background_color_gradient_start_position=&#8221;30%&#8221; background_color_gradient_end=&#8221;rgba(213,222,232,0)&#8221; background_image=&#8221;https:\/\/creditrepairbusinesswebsites.com\/vibrant\/wp-content\/uploads\/2024\/06\/a_person_signing_a_document_on_a_desk_with_several_papers_spread_around.webp&#8221; width_last_edited=&#8221;off|desktop&#8221; custom_padding=&#8221;6vw|0px|6vw|0px|true|false&#8221; custom_padding_tablet=&#8221;10vw|0px|10vw|0px|true|false&#8221; custom_padding_phone=&#8221;14vw|0px|14vw|0px|true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row admin_label=&#8221;Row&#8221; _builder_version=&#8221;4.27.4&#8243; custom_padding=&#8221;0px||0px||true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; text_font=&#8221;||||||||&#8221; text_font_size=&#8221;16px&#8221; header_font=&#8221;||||||||&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_font_size=&#8221;52px&#8221; header_2_line_height=&#8221;1.1em&#8221; width=&#8221;80%&#8221; width_tablet=&#8221;100%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;left&#8221; custom_padding=&#8221;|||&#8221; animation_style=&#8221;fold&#8221; animation_direction=&#8221;bottom&#8221; animation_starting_opacity=&#8221;100%&#8221; text_font_size_tablet=&#8221;16px&#8221; text_font_size_phone=&#8221;16px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;44px&#8221; header_2_font_size_phone=&#8221;36px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Is Credit Repair Legal?<\/h2>\n<p>&nbsp;<\/p>\n<p><em><strong>[Company Name]<\/strong><\/em> operates within the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA) regulations. This means we won\u2019t charge you for services we haven\u2019t yet completed, ask you to create a new identity, or lie about the legal credit repair services we can provide. Any company that does these is not providing legal credit repair.<\/p>\n<p>We\u2019ll also inform you about your rights to obtain a credit report and how you can dispute inaccurate information.<\/p>\n<p>You\u2019ll receive a contract copy before you agree to the services. 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Intimidating.<\/h2>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjE5NyJ9fQ==@&#8221; button_text=&#8221;LEARN MORE&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.27.4&#8243; _dynamic_attributes=&#8221;button_url&#8221; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;gcid-66c680e7-b65d-49e4-ab4d-045d6653ce59&#8243; button_bg_color=&#8221;gcid-5dfd8751-cf84-493b-8c78-04e196227464&#8243; button_border_width=&#8221;0px&#8221; button_border_color=&#8221;gcid-5dfd8751-cf84-493b-8c78-04e196227464&#8243; button_border_radius=&#8221;2px&#8221; button_font=&#8221;|700|||||||&#8221; button_use_icon=&#8221;off&#8221; background_layout=&#8221;dark&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; custom_padding=&#8221;18px|40px|18px|40px|true|true&#8221; 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Let us help you correct your credit..Unlock Your Financial Potential with [Company Name]We are a highly trained team dedicated to delivering a proactive and personalized credit repair process, tailored to the unique needs of each of our clients.Our 24\/7 online customer portal provides our clients with convenient access to their account information, credit [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"[builder_content post_id=\"207\"]What is a Credit Report?     A credit report contains information about your credit history and the status of your credit accounts. This information includes how often you make your payments on time, how much credit you have, how much credit you have available, how much credit you are using, and whether a debt collector is collecting on any debt you owe. Credit reports also can contain public records such as liens, judgments, and bankruptcies that provide insight into your financial status and obligations.\r\n\r\nLenders use these reports to help them decide if they will loan you money, what interest rates they will offer you, or to check the status of an existing loan. Companies can purchase these consumer credit reports to help inform them while making a wide range of business decisions such as providing or pricing insurance, renting an apartment, and (if you agree to let them look at your consumer report) making employment decisions about you.\r\n\r\nCredit reporting companies (credit bureaus or consumer reporting agencies) compile these reports.\r\n\r\nFair Credit Reporting Act (FCRA), amongst other things, gives consumers the ability to dispute information on a credit report that may be incorrect. The information contained on your credit report must be correct and verifiable. The FCRA requires lenders to:\r\n<ul>\r\n \t<li>Tell you they denied your application(or took other adverse actions);<\/li>\r\n \t<li>Provide you the numerical credit score it used in taking adverse action;<\/li>\r\n \t<li>Give you the name, address, and telephone number of the credit reporting company that provided the report;<\/li>\r\n \t<li>Tell you about your right to get a free copy of your credit report from the credit reporting company that furnished it within 60 days of your adverse action notice; and<\/li>\r\n \t<li>Explain the process for fixing mistakes or adding missing items to your report.<\/li>\r\n<\/ul>\r\nIf a lender rejects your loan application, the Equal Credit Opportunity Act (ECOA) requires it to tell you why it was denied or that you can learn the reasons if you ask within 60 days.\r\n\r\nUnclear and vague reasons for the denial are illegal. Acceptable reasons might include \u201ctoo many recently opened accounts with balances\u201d or \u201cdelinquent past or present credit obligations.\u201d Unacceptable reasons include \u201cyou didn\u2019t meet our minimum standards\u201d or \u201cyou didn\u2019t receive enough points on our credit scoring system.\u201d Learn more about your rights under ECOA.\r\n\r\nCredit discrimination is illegal. Under the Equal Credit Opportunity Act, a creditor cannot discriminate in any credit transaction, including mortgages, against any applicant because of these factors:\r\n<ul>\r\n \t<li>Race<\/li>\r\n \t<li>Color<\/li>\r\n \t<li>Religion<\/li>\r\n \t<li>National origin<\/li>\r\n \t<li>Sex (gender)<\/li>\r\n \t<li>Marital status<\/li>\r\n \t<li>Age, unless the applicant is not legally able to enter into a contract<\/li>\r\n \t<li>Receipt of income from any public assistance program<\/li>\r\n \t<li>Exercising in good faith is a right under the Consumer Credit Protection Act<\/li>\r\n<\/ul>\r\nThis means that a creditor may not use any of the above grounds as a reason to:\r\n<ul>\r\n \t<li>Refuse your credit if you qualify for it<\/li>\r\n \t<li>Discourage you from applying for credit<\/li>\r\n \t<li>Provide you credit on terms different from those given to someone else who is similarly situated to you, such as having similar creditworthiness.<\/li>\r\n \t<li>Close your existing account.<\/li>\r\n<\/ul>   What Is My Credit Score?     A credit score is a numerical summary of a consumer\u2019s apparent creditworthiness based on the consumer\u2019s credit report. It reflects the relative likelihood that the consumer will default on a credit obligation. Credit scores can have a significant impact on a consumer\u2019s financial life. Lenders rely on scores extensively in decision-making, including the initial decisions of whether to lend and what loan terms to offer, for most types of credit, including mortgages, auto loans, and credit cards. Credit scores also influence the marketing offers that consumers receive, such as offers for credit cards.\r\n\r\nFurther, credit scores affect account-management decisions, like raising or lowering credit limits or changing interest rates. A good credit score can mean access to a wide range of credit products at better rates available in the market. In contrast, a bad credit score can lead to significantly reduced access to credit and much higher borrowing costs.\r\n\r\nLenders use credit scores that many different scoring models produce. The most widely used scores are the \u201cFICO scores\u201d sold by FICO (the brand used to identify the Fair Isaac Corporation).\r\n\r\nThere are several FICO score models in use by lenders and many other credit score models besides the FICO scores. Consumers can also purchase a wide range of credit scores. Lenders use some scores sold to consumers, but others referred to as \u201ceducational scores\u201d are either not used by lenders at all or are used only infrequently. It is important to note that many of the credit scores sold to lenders are not offered for sale to consumers.\r\n\r\nConsumers can purchase scores from the CRAs in several ways. They can buy scores when they request copies of their credit reports directly from the CRAs, or with their annual free credit file disclosure available through annualcreditreport.com. The CRAs or their marketing partners also sell scores as part of \u201ccredit monitoring\u201d or \u201cidentify theft\u201d products.\r\n\r\nWhen a consumer purchases a score from a CRA, the credit score that the consumer receives will likely not be the same as that purchased and used by a lender to whom the consumer applies for a loan. This could occur if the score the consumer purchased is an educational score that is not used by lenders. Still, differences between the score a consumer buys and the score a lender buys can also occur for other reasons. Since so many scores are in use in the marketplace, it could also be the case that the particular lender to which the consumer applies uses a different scoring model than the one purchased by the consumer or that the CRA from which the consumer obtains a score is not the same that the lender uses to get scores, or that the underlying data in the consumer\u2019s credit report changes significantly between the time the consumer purchases a score and the time the lender obtains a score for that consumer. It is also possible that a consumer and a lender could access different reports from the CRA if they were to use other identifying information about the consumer. These differences could lead to differences between the credit score a consumer sees and the credit score a lender uses to assess that consumer.   What are the Primary Factors that affect Credit Scores?     <ul>\r\n \t<li>Payment history, including late payments and collection items<\/li>\r\n \t<li>Balances available credit, and the percentage of existing credit lines being utilized<\/li>\r\n \t<li>Negative public records such as bankruptcy, judgments, and liens<\/li>\r\n \t<li>Length of the credit history and the mix of credit types<\/li>\r\n \t<li>Evidence of taking on new debt, such as new accounts or inquiries<\/li>\r\n<\/ul>   You may be unaware of your true Credit Score     Vantage Score and the Consumer Federation of America released the results of a survey of a representative sample of 1,000 Americans who were asked several questions about credit scores. Almost half of the consumers surveyed did not know that a credit score is designed to indicate the risk of not repaying a loan. However, 71 percent of those surveyed said they knew that most Americans have more than one generic credit score. Nearly 60 percent were confused about the scale of credit scores, and only 25 percent of those surveyed knew that scores are \u201cavailable from numerous web-based sources, not just from FICO or the three main credit bureaus.[\/builder_content]","_et_gb_content_width":"","footnotes":""},"class_list":["post-207","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/creditrepairbusinesswebsites.com\/vibrant\/wp-json\/wp\/v2\/pages\/207","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/creditrepairbusinesswebsites.com\/vibrant\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/creditrepairbusinesswebsites.com\/vibrant\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/creditrepairbusinesswebsites.com\/vibrant\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/creditrepairbusinesswebsites.com\/vibrant\/wp-json\/wp\/v2\/comments?post=207"}],"version-history":[{"count":29,"href":"https:\/\/creditrepairbusinesswebsites.com\/vibrant\/wp-json\/wp\/v2\/pages\/207\/revisions"}],"predecessor-version":[{"id":1211,"href":"https:\/\/creditrepairbusinesswebsites.com\/vibrant\/wp-json\/wp\/v2\/pages\/207\/revisions\/1211"}],"wp:attachment":[{"href":"https:\/\/creditrepairbusinesswebsites.com\/vibrant\/wp-json\/wp\/v2\/media?parent=207"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}