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Credit Advice

Topics addressed on May 17, 2006:

Free credit reports, driving records and credit reports

Dear Max,

Can I request a free annual copy of my credit report? Does your driving record affect your credit score?

- CYL

Dear CYL,

You can request a free copy of your credit report once every 12 months at www.annualcreditreport.com, the Fair and Accurate Credit Transactions Act (FACT Act) Web site.

Your driving record is not a part of your credit history, but could be incorporated into insurance scores, which are used specifically by insurance companies when you apply for a policy.

Insurance companies use risk score models designed specifically for that industry, which often incorporate your driving record, to help them evaluate your policy application.

Your driving record, though, will have no bearing on other credit scores used by lenders.

Thanks for asking.

Credit Reporting

Improve your credit by understanding basic consumer credit information: what’s in a credit report, how to check it and how often you should review it.
Credit Scores

What are credit scores, and how are they calculated? Get the answers to your credit score questions.
Preventing Fraud

Learn the warning signs of credit fraud, and get the credit information you need to protect yourself. Are you already a victim? Experian can help.
Life Events and Credit

Find out how life events affect your credit and how to build good credit for the major purchases in your life.
Credit Advice

Ask Experian

Get credit information on the hottest topics from Experian’s team.
Preapproved Credit Offers

What’s in a credit report, how can you check it and how often should you review it? Make sure your credit information is accurate and check your Experian, Equifax and TransUnion reports side-by-side with Experian’s 3 Bureau Online Credit Report.
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