Pinnacle offices in the National Capital region are closed today due to inclement weather. All office and weather updates will be posted to PNFP.com/Weather.
Pinnacle offices in the National Capital region are closed today due to inclement weather. All office and weather updates will be posted to PNFP.com/Weather.
Your credit report contains a lot of information about you, including what accounts you have and your bill paying history. But these reports aren’t the only documents out there that provide a glimpse into your financial past. Other specialty reports cover your prescription, rental, employment and even purchase returns history.
Here’s what you need to know about the various reports that might contain your information—and who can look at them.
Everyone is entitled to a free copy every year from each of the three credit reporting agencies: Equifax, Experian and TransUnion. That’s three free copies a year. You can also get a free report if you’re the victim of identity theft, if you’re unemployed and searching for a job, if you think your report has errors or if anyone uses the report against you. AnnualCreditReport.com is the only authorized source for a truly free credit report. If you’d prefer to order your report by phone instead of going online, the number is 1-877-322-8228.
Banks, debt collectors, landlords or others with a valid interest are the only ones who can pull credit reports. Prospective employers need to have written consent to run checks on applicants.
Consider staggering your requests for credit reports from all three agencies over the course of the year so you get one every four months. Check for, and report, any inaccuracies.
There could be several other reports about you, depending on your medical and purchasing history. Prospective employers need permission to obtain any type of consumer report on a job applicant, but others with a valid interest (like a landlord) don’t need your consent for some reports.
Here’s a rundown of some of the key reports and how to find out if there’s one about you.
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