Georgia Credit Information Request
Description
How to fill out Credit Information Request?
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FAQ
The Consumer Credit Act and the General Data Protection Regulation (GDPR) gives you the right to request a one-off statutory credit file from TransUnion. Your statutory credit file gives you the details about your credit accounts, missed payments and the people with whom you have financial links.
The Consumer Credit Act and the General Data Protection Regulation (GDPR) gives you the right to request a one-off statutory credit file from TransUnion. Your statutory credit file gives you the details about your credit accounts, missed payments and the people with whom you have financial links.
A Consumer Disclosure is a complete account of all the information on your credit file as mandated by consumer reporting legislation. A Consumer Disclosure does not include your TransUnion Credit Score.
Not everything in your credit file ends up on your credit report. Records of most late debt payments, for instance, shouldn't appear on your credit report if they're more than 7 years old. Your credit report is used to generate your credit scores and may be viewed by lenders to assess your creditworthiness.
This information is reported to Equifax by your lenders and creditors and includes the types of accounts (for example, a credit card, mortgage, student loan, or vehicle loan), the date those accounts were opened, your credit limit or loan amount, account balances, and your payment history.
In short, this is a disclosures that includes things like the credit score of the applicant, the range of possible scores, key factors that adversely affected the credit score, the date of the score, and the name of the person or entity that provided the score.
The credit score exception notice (model forms H-3, H-4, H-5) is a disclosure that is provided in lieu of the risk-based-pricing notice (RBPN, which are H-1, H-2, H-6 & H-7). The RBPN is required any time a financial institution provides different rates based on the credit score of the applicant.
Credit reports list your bill payment history, loans, current debt, and other financial information.
A creditor must disclose a consumer's credit score and information relating to a credit score on a risk-based pricing notice when the score of the consumer to whom the creditor extends credit or whose extension of credit is under review is used in setting the material terms of credit.
A credit inquiry is a request by an institution for credit report information from a credit reporting agency. Credit inquiries can be from all types of entities for various reasons, but they are typically made by financial institutions. They are classified as either a hard inquiry or a soft inquiry.
