1. How many credit bureaus exist? Are there only 3?
    1. Nope, in fact, there are more than 20 credit bureaus.


  1. Do credit bureaus only get my information from companies that report to them?
    1. No, credit bureaus also get information on you from other credit bureaus.


  1. Is it okay to have multiple addresses on my credit report?
    1. Yes, however, for the most accurate report—having only one name, one social security number, and one address is best.


  1. I have a bankruptcy showing on my credit report. Does it have to stay on my credit report for 7 whole years?
    1. No, you can remove bankruptcy judgements before 7 years.


  1. I have a few judgements showing on my credit report. Is this okay?
    1. As of July 1, 2017, judgements should automatically fall off of your credit report. If they are not, this is an issue that needs to be addressed. Contact us for assistance.


  1. Why are credit bureaus dropping judgments off credit reports?
    1. A lawsuit against the big 3 credit bureaus for inaccurate information resulted in having judgements no longer existing on credit reports. This includes tax liens and civil judgments.


  1. If I’m looking to rent an apartment or a house, what is the number one thing I need to do before I start applying to rental companies?
    1. Go to the 5 rental credit bureaus and check your rental history for clarity.