Free Government Credit Report

Free Government Credit Report

Free Government Credit Report

Many people confuse the rules of the Free Trade Commission (FTC) with the idea that you are entitled to a free credit report government ( every twelve months. The truth is the FTC made a law that the credit reporting agencies must provide you with a free copy of your credit report as it stands with them once every twelve months for free. Because the information in that report so affects what you can do in the financial world it is only fair for you to know exactly what is on it. In addition, the only way you can correct errors is to know what you are dealing with. If you have no access to the report you cannot get things corrected and you could be denied credit for false information.

Why Does it Need to be Free?

There are a few reasons it is made for free. One is that it is information about you and you should have access to it. The credit reporting agencies were making a fortune from people as they were charging each and every time you asked for one. If you were trying to get something corrected on the report you were paying multiple times until you found out it was corrected. Another is that it helps keep the credit reporting agencies honest. Not that they would put things on your report that were untrue, but mis-information is easy to come by. Now that people can easily check what is on their report and they have to correct things that are wrong, they spend a little more time making sure the information is right in the first place.

When Should I Check my Free Credit Report?

You don’t typically need to check your credit report more than once per year. If you know what is on there and you are aware of what you are doing with your money, your score is unlikely to change by much. You want to check your credit report if you are planning on doing big things like buying a house. In these cases you will want to start the process a few months ahead of when you get started. This gives you time to fix anything bad on your credit report that is not accurate before the mortgage company or underwriter looks up your number. This will help you secure the best possible interest rate and save you hundreds of thousands of dollars over time.

Why Does the FTC Care?

The FTC was set up to protect the consumer. While they have many jobs, one job is to police predatory lending. This is when lenders take advantage of your needs and charge you way too much for loaning you money. Most people think of this type of lending when considering loan sharks or other below the table types of lending establishments. These lenders charge too much for their services and the loan sharks often come with a threat of violence. The FTC is there to keep all the lending services in line. To check in and make sure interest rates are fair and that they are treating all people the same. As a commission it is one of the most comprehensive commissions that is all about public safety and your best interests.

Getting your free credit report helps to keep you in the loop when it comes to your financial situation and future. The last thing you want is to start the process of buying a house or borrowing money only to find out you don’t qualify because you didn’t know what is on your credit report. It is also a great way for you to keep on top of potential identity theft. You can sign up for a service that will give you a credit score daily. It doesn’t count as “looking into your credit” and the cost of such a service is usually just a few dollars a month. The more you know about how you look to lenders the more prepared you can be for the rates you are offered and what you can look forward to when you need to borrow money or start a new credit card.

Free Credit Reports From All 3 Bureaus

Free Credit Reports From All 3 Bureaus

Free Credit Reports From All 3 Bureaus: Suspicious Activity

If you think you have suspicious items on your free credit reports from all 3 bureaus, you need to contact all three of the credit bureaus immediately because there is a chance that you became the victim of identity theft. Another thing you can do is ask the credit bureaus and your current creditors as well as your bank to place a fraud alert on these things once you find suspicious activity on the credit report. You want to record the names, numbers and addresses of the suspicious items that appear on the credit report so you can turn this over to the local police.

How Suspicious Activity Ends Up On Your Credit Report

One of the main ways through which a suspicious activity occurs when people need free credit reports from all 3 bureaus is when there is a credit card fraud and this is how credit card fraud happens. When a thief picks your pocket he may obtain your credit card and charge a lot of things on it. If you do not tear up your credit card statements before throwing them out, a dumpster diving thief can go through your garbage and locate your credit card account number and use it for purchases. There are also people who watch you enter your PIN number at the counter.

How Credit Card Fraud Hurts Your Credit

When you become the victim of credit card fraud, you get higher and hard-to-eliminate credit card balances that decrease your credit score greatly and this causes you to get turned down for more credit cards, home loans and car loans in the future. Credit card fraud may even cause you to declare bankruptcy if you have excessive debts that are nearly impossible to pay. Therefore, this should also be considered when managing your finances.

How To Learn More About Credit Card Fraud and Effects on Credit

The Federal Trade Commission’s website has plenty of information on how you can avoid credit card fraud and how to review your credit report for suspicious activities. Another idea is to talk to people who experienced credit card fraud and ask them how they rebuilt their credit following this situation. Local personal finance seminars also feature information on identity theft and your credit, and business magazines offer assistance on this topic.

Removing Fraud from Credit Report

To remove credit card fraud from the credit reports, you need to document all items on the credit report that you did not charge to your credit card accounts and also record unusually high balances on certain accounts that appear on the credit report. You should write any inquiries made about your credit that were not made by you or companies you applied for credit with a few months ago. Once you have all of the information you need to write letters to the three credit bureaus.

Monitoring Your Credit Card Accounts

Once a year, you need to gather your credit card statements and free credit reports from all 3 bureaus and see if the items you charged match. If the items do not match, you should contact your creditors immediately and find out if suspicious activity is on your account and credit reports. It may also be safer to get your statements through e-mail although you will still need to be careful for fraud. If you get letters from collection agencies that represent companies you never received services from, you need to find out if fraud occurred.


When you experience credit card fraud, it is important that you take action immediately so that you salvage what is left of your credit. Once you notified the credit bureaus and they put a fraud alert on the credit reports, it is time to start rebuilding your credit. Your best bet is to meet with a credit counselor who has experience in handling cases where identity theft is involved. Also be prepared to not have excellent credit for a number of years following the fraud. Get emotional support from friends and relatives and make small changes to your saving and spending in order to rebuild financially.

Get all 3 Credit Reports Free

Get all 3 Credit Reports Free

Get all 3 Credit Reports Free

Having good credit cannot be underestimated. Good credit will get you a home loan, credit cards and other credit lines at the best interest rates possible. This is vital so that you are not paying too much money for what you need in life. Many people do not understand that if their credit is poor, they will be paying much more over the course of the loan, because their payments will be so much higher. Since most individuals give their credit report little thought, things can be added to the reports that are not accurate. Why should you get all 3 credits reports free? To simply stay on top of what is going on with the state of your finances.

Getting a copy of your credit report can help you determine;

  • Whether there are inaccurate listings on your report
  • If companies are reporting your payments correctly
  • If there are negative reports that you will dispute
  • Whether you need to take any immediate action

How do you get a free report?

To get all 3 credit reports free, you have to contact all three of the main credit reporting bureaus in the country. These three are; Transunion, Experian and Equifax. All of the three report to lenders on the state of your personal credit. However, some report things that the others do not. For this reason it is necessary for people to check all three of the bureaus to see what they are saying about you. The report will say a lot about how you are handling your finances or in some cases not handling them. The current economic climate has seen many people receiving falling credit scores that hurt them in their ability to refinance their homes to get better rates and lower payments.

Do not let this happen to you. It is so simple to get your free report and then to make a plan on how you will get the negative items removed. If the listings are true, and only you will know that, take some time to contact each creditor and see what can be worked out. Most of them will want their money and will work with you, many times settling for a much smaller amount if you can pay all at once, or letting you make some payments to get the account settled. Always ask the creditor if he or she will remove the negative listing from your report, when the money has been repaid. When you are speaking with the creditors, take the time to jot down the time, day and the employee’s name so that you will have good and accurate records should something that is agreed upon not play out.

After the bill has been settled to your and your creditor’s satisfaction, give it some time and log back into your credit report to check to see if the listing has been removed or at least updated. Many people go through hard times, but if you take the time to repair your credit you can definitely are rewarded with better credit scores in the near future. It does take some time to do and if you want to be able to log in and out of your own personal credit report, you will most likely need to pay for a membership which can be as low as 10 dollars per month. This will be necessary for you to be able to have the access that you need to stay on top of what is going on in the credit bureaus. Be proactive and tackle those credit problems so that they do not continue to haunt you in the future.

Free Credit Report Gov

Free Credit Report Gov

Free Credit Report Gov

Every 12 months you can request a free copy of your three credit reports per the Fair and Accurate Transaction Act (FACT). These reports are provided by Equifax, Experian, and Trans Union.

Keep in mind that requesting your free annual reports will not give you your credit scores. To access your credit scores you can pay an additional fee to each credit bureau or to a credit monitoring agency that can do monthly monitoring of your credit and provide you will your scores in addition to your reports.

How To Request A Free Credit Report Gov

  • Annually—you can access your free annual reports through one of these three methods:
    • By Phone: You can call Annual Credit Report Service at 1-877-322-8228.
    • By Mail: You can download and mail in a Annual Credit Report Request Form to:

Annual Credit Report Request Service
PO BOX 105281
ATLANTA GA 30348-5281

When you request to receive your free annual credit reports, be prepared to provide personal information such as your current lines of credit, dates of past lines of credit, social security number, current employer, or your past and present address.

If you request your reports online you will receive them instantly, if you request via phone or mail you will receive them within 15 days.

Is There Any Other Time That You Can Request a Free Credit Report Gov?

Yes, there are circumstances that arise that allow you to request free credit reports under FCRA regulations. Some of these circumstances are:

  • If you have been turned down for a line of credit, received an “Adverse Notice”, or received a collection notice that your credit rating may be adversely affected, you have 60 days from the denial or notification to request a free copy of your credit reports.
  • If you have placed a Fraud Alert on your credit file you can request a free copy of your credit reports. You can place a Fraud Alert on your account when you suspect someone has gained access to your personal information, such as having your purse or wallet stolen. The Fraud Alert will be active on your account for 90, or longer if you call to extend. You can call each bureau directly to place a Fraud Alert on your credit file or go to:

  • If you have any of these changes occur you can also request an additional free reports:
    • Are recently unemployed and would like to check your credit reports to assess what information potential employers may see. Employers cannot access your credit files without your written consent.
    • Have been placed on welfare.
    • Have reason to believe that some type of inaccurate information or fraud has been added to your credit files.

What If I Don’t Qualify For a Free Credit Report Gov

Anybody who has received his or her free credit report Gov ( for the year, but would still like to check the credit files can for a small fee. You can do this by:

  • Signing up with a credit monitoring agency that, for a monthly fee, will give you your updated credit scores, credit reports, and alert you of any changes to your credit files.
  • Contact each for the credit bureaus individually and pay a small fee to each for your reports. You can reach each of the bureaus at:

Monitoring your credit files on a regular basis is key in maintaining healthy credit scores and assisting in early detection of Identity Theft and fraud.

Free Credit Report 3 Scores

Free Credit Report 3 Scores

Free Credit Report 3 Scores

It is a good idea to check your free credit report 3 scores on a regular basis. You can do this by a variety of different methods. On an annual basis you can go to to request a free copy of your credit reports from each credit bureau. The free annual reports you receive here will not include your credit scores.

You can also sign up for an account with a credit monitoring agency. These agencies will typically give you both your report and scores, and will notify you of any changes to your credit files. Your credit reports will give you detailed information such as:

  • Your current personal information such as your present employer, recent address, date of birth, and social security number.
  • Current lines of credit such as credit cards, car payment, mortgage, or accounts in collection.
  • Inactive or closed lines of credit. Your past accounts can stay on your credit reports for 7-11 years.
  • The date in which you opened each line of credit, your current balance, and if you pay your accounts in a timely manner.
  • Record of all inquires to your credit files for the past two years. Inquires to your credit file can only be accessed via your written permission. The inquires would occur in situations such as:
  • Applying for a new line of credit.
  • Applying for an apartment.
  • Applying for a new job.
  • Setting up new accounts for insurance, cell phone, or utilities.
  • Matters of public record like bankruptcy, liens, or unpaid child support.

How To Obtain Your Credit Scores

Once you have copies of your free credit reports, it is valuable to check your scores to see where you rank. The rankings are as follows:

  • 720-850 – Excellent – This range gives you the best access for gaining & negotiating financing terms.
  • 700-719 – Very Good – This range means you are still a favorable financing option.
  • 675-699 – Average – This range means you will usually qualify for your financing needs.
  • 620-674 – Sub-prime – This range means you may still qualify for financing needs, but with greater interest rates
  • 560-619 – Risky – This range means you will have a more difficult time qualifying and may need a cosigner or collateral.
  • 500-559 – Very Risky – This range means you will have a very difficult time qualifying for financing and need to take steps to improve your ranking.

What to Do If You Find an Error On Your Reports

If you find an error when checking your free credit report 3 scores you are protected under the Fair Credit Reporting Act (FCRA). This act requires both the company providing the incorrect information and the credit reporting agency to correct all errors. You will have to be the one to get the ball rolling.

Let’s say there is a credit card opened in your name that you have not authorized. You would need to contact the credit card company directly and file a dispute with each of the credit bureaus. The credit berceuse will research your dispute, usually within 30 days. The credit card company and credit bureau may request information from you to process your dispute. Keep copies of all information you provide, and a record of the name, date and time of everyone assisting in helping to resolve your dispute.

Once the investigation of your dispute is complete, the credit bureau will provide you with written results of the outcome, and a free updated copy of your credit report. This can take a lot of time and energy on your end as you may have to communicate with all three bureaus, but it is worth the time to ensure that your credit reputation is not damaged. To maintain your credit history, make a habit of regularly checking your free credit report 3 scores.

Free Annual Credit Report Gov

Free Annual Credit Report Gov

Free Annual Credit Report gov

There are not too many things in life that are free, but getting a free annual credit report is one of them. Good credit is essential to obtain the credit you will need throughout your lifetime. In today’s troublesome economic climate, it is next to impossible to buy a home or even get one refinanced without a good credit score. So, what is a credit score? A credit score is a compilation of a set of statistics that show a great deal about your credit status and how you have handled your credit over a period of years, months or days.

A credit score can tell lenders a great deal;

  • How much credit you have
  • How late you may have been on your payments
  • If you have missed any payments over the past year
  • Any negative reports from creditors
  • Any tax liens or court judgments for payment

Free Report

Once per year, anyone should be able to obtain a free copy of their credit report simply by requesting access to the information. One of the most common occurrences regarding a credit report is that not too many of us really think about our credit and how it may impact our lives until we learn that we are having to pay a much higher interest rate than we thought. It is then time to obtain a copy of your credit report and one way is to get a free annual credit report gov, from any one of the top three credit reporting bureaus. These three are;

  • Equifax: 1-800-685-1111
  • Transunion: 1-800-888-4213
  • Experian: 1-888-397-3742

All reports from lenders get logged into at least one of these big three credit reporting bureaus Many lenders will check the credit from all three, although some lenders prefer to do most of their business with one credit bureau, as they understandably develop excellent working conditions with the employees at that bureau. Each one of these credit bureaus can have a different score than the other, although most of the time all three scores are similar.

Getting a copy of your free annual credit report gov ( is something that is free at least once per year in most cases. All one needs to do is to select which one of the three credit bureaus you want and request the information. After your get your free credit report, you can spend some time looking it over for errors. It is not uncommon for there to be errors on your report that is being reported to lenders. These errors can keep you from getting the loan that you need. Go over your report very carefully.

Anything that you do not agree with can be appealed or disputed. Disputes can be done quite easily. If you tell the credit bureau that something is wrong on your report they will conduct an investigation and the problem may be removed. Some people’s names are very similar and this is sometimes where the confusion lies. Another person’s history gets mixed up with yours and the report is inaccurate.

Make sure that you go into good enough detail so that the credit bureau can do a thorough check on your behalf. Getting this free annual credit report gov is one of the best ways to make sure that your credit stays in good shape, so that all of your future credit needs can be taken care of. This is vital in all phases of our lives, if we want to purchase or renovate our homes, take an expensive trip, or to open your own business. It is so important to keep on top of what your report is telling other people.

Free 3 Credit Reports

Free 3 Credit Reports

Free 3 Credit Reports

With identity theft on the rise, it is important to get copies of your free 3 Credit Reports each year. A good way to be consistent is to check your credit reports at the beginning of ever year.

If you look online you will find many companies that will charge a fee for you to access your credit reports, credit scores, and offer monthly credit monitoring. While these are all great options, we are all entitled to one free report each year. If you would like your scores too, you will have to pay additional fees.

If you are comfortable accessing your reports online, you can gain instant access at If you are more comfortable accessing your reports by mail you can call each agency directly to receive them within 15 days.

The 3 bureaus you will be accessing information from are:

  • Experian

Tel: 888-397-3742

  • Equifax


  • Trans Union


Whether you are calling or accessing your information online, you should be prepared to provide personal information to verify your identity. You will need to provide information such as

  • Social security number.
  • Present or former employer.
  • Present or former lines of credit.
  • Present or past addresses.

What To Look For on Your 3 Free Credit Reports

Once you have obtained the copies of your 3 free credit reports, you want to confirm that all information is correct. Here is what you want to look for:

  • Is your current address correct?
  • Is your current employer information correct? If you have recently started a new job your reports may have not been updated.
  • Are all of the open lines of credit correct? This will include credit cards, student loans, mortgages, and accounts in collection.
  • Are all closed lines of credit correct? This will include any closed credit cards and debts that have been paid off. These will remain on your credit report for 7-11 years.
  • Are all matters of public record correct? This will include things like bankruptcy, liens, past due child support.
  • Have you authorized all credit inquires that are present? You must give written consent to authorize anyone to check your credit. This could include your insurance company, cell phone provider, employer, or a lender you have applied with.

Why Don’t All 3 Free Credit Reports Show The Same Information?

It is not uncommon to find slight differences on your credit reports. This is because not all creditors or businesses making inquires, utilize all three bureaus. For example, you might have an inquiry for rental history that shows up on Experian, but not on Tran Union or Equifax. Or maybe you have a student loan you are paying that only shows up on Equifax and Trans Union, but not Experian. Neither of these scenarios are cause for concern, but may result in each of your credit scores being slightly different.

What If There Is A Problem On my Report

If something on one of your 3 free credit reports is inaccurate you want to act immediately to ensure that you are not a victim of identity theft. Take these steps:

  • Call the creditor directly if incorrect information is being reported. Sometimes it is a clerical error that can be cleared up quickly. If a creditor has made an error they will make the adjustment and send the updates to the appropriate bureau. Document every phone call and keep copies of all information you are asked to provide.
  • File a dispute with each credit bureau. You can do this online or over the phone.
  • If the discrepancies on your reports look as though someone has stolen your identity, immediately go to the FTC website, where you will get the help you need to determine if you need to place a fraud alert on your account or do a full security freeze.

3 Free Credit Reports

3 Free Credit Reports

3 Free Credit Reports

Each calendar year you are entitled to receive your 3 free credit reports from each credit bureau. Checking your credit reports each year is important in ensuring that you are not victim of identity theft, and that all of your current lines of credit are correctly updated.

The three credit bureaus that record your credit history are Experian, Equifax, and TransUnion. If you are also interested in receiving your credit scores, you will have to pay an additional fee to each bureau, or you can sign up with one of the many credit monitoring agencies that provide you with your credit scores.


Where to Get Your Free Report

To receive your free reports go to for instant access or call 877-322-8228 to have your 3 free credit reports mailed to you within 15 days. When you call or go online please be prepared to provide information that verifies your identity such as:

  • Social security number.
  • Current of former employer.
  • Current or former lines of credit.
  • Current or past addresses.


Information Your 3 Free Credit Reports Will Provide


If you have not accessed your credit reports before, they will provide you with valuable information such as:


  • Current personal information such as your Social Security number, date of birth, most recent address, and current employer.
  • Current credit lines such as loans, credit cards, mortgages, or any accounts that have been sent to collection.
  • Closed or inactive lines of credit. Please note that these will stay on your credit report for 7-11 years.
  • The date each line of credit or account was opened, current balance, and if you have paid on time.
  • Companies you have given written permission to access your credit history or score for the past 2 years. Examples of these would be when you apply for a new line of credit, apply for an apartment, sign up for new insurance, or if you give consent for an employer to access your credit.
  • Matters of public record that effect your financial status such as past due child support, liens, or bankruptcies.


What to Do If Something is Incorrect on Your Report


If you find something on your report that is incorrect or that someone has accessed your credit history without your consent you need to file a dispute and may want to place a fraud alert on your accounts.


If you accessed your 3 free credit reports online and need to file a fraud alert, you can simply click the button from the drop down menu that states “File a Dispute”. You can also contact each agency by phone or mail. It is also best to contact the source of the incorrect information as soon as possible. For example; if a credit card has been opened in your name without your knowledge, call the credit card company immediately. All creditors’ phone numbers show up on your credit reports.


When filing disputes make sure to document the date, time, and name of everyone assisting you in resolving your dispute. Also keep copies of any paperwork that you provide to the credit bureaus or credit sources.


If you suspect identity theft while checking your annual reports, or at anytime throughout the year, call each bureau to place a Fraud Report on your accounts. This will ensure that for the next 90 days, or longer if you call to extend, that anytime someone attempts to access your account you will be notified. You can reach each bureau at:



Tel: 888-397-3742





Trans Union



For identity theft you should also contact the Federal Trade Commission to see if it is appropriate to file for a Security Freeze. You can contact them at:

3 Free Credit Report per Year

3 Free Credit Report per Year

3 Free Credit Report per Year

A credit report checkup is not something that most people ever think about doing. However, this is a very important thing to put on your to do list. Just as a physical checkup is vital to our personal health, so is a credit checkup vital for our current credit standing. Credit reports are important to check because there can be so many errors that can occur to many people each year. One of the best ways to maintain your credit checkup is to get your 3 free credit reports per year.

The top three credit bureaus are;

  • Experian
  • Equifax
  • Transunion

These are the big three in the credit reporting industry. They are necessary for all creditors to check and all three will give a customer a free report at least once per year. All an individual needs to do is to contact each one and request the free report. After you have obtained the free report, what do you do if there are inconsistencies showing up?

Clean it up

After you get your 3 free credit report per year from all three bureaus, it is time to really look them over with a fine tooth comb. There are millions of people who find that there are inaccurate reports listed on their credit report. Sometimes people do not find out that there are problems until they are applying for a loan for a new home or other purchase. This is not the time when you want to encounter trouble. If you are thinking about purchasing a home or other item that will result in your credit being checked, take some time prior to that purchase and make sure that your credit report is the best that it can be. Clean up all the items before you go to your lender.

How do you get these inaccurate items removed? You will need to request that the credit bureaus do an investigation on your behalf, by logging online and denying or appealing that the negative listing is yours. However, not just negatives can affect you. If your report lists that you have had a paid mortgage in good standing and you do not, the lender will wonder why you need to buy another home, and may think that your credit is not good enough. After you begin the appeal of the negative listing, it may take several weeks for the credit bureau to remove it from your report, although it can take much longer. Keep checking your report, even if you need to purchase a monthly plan to do so. It is better to have these things removed once and for all before you set out to obtain loans again.

Free reports

Free reports will help you discover what is going on with your credit and let you take the right steps toward fixing it. However, it is important not to hire any outside firm to fix your report yourself, unless you check them out thoroughly. If you do not, you are taking great risk at losing your money if you cannot make sure that the company is legitimate.

If a company tells you things that seem too good to be true, then they probably are not true. No one needs to hire a credit fixing company, as you can accomplish what you need to do on your own with some old fashioned homework and a determination to succeed and really turn your credit around. Many people get into tight spots during an illness, a divorce, or the collapse of a business and may suffer negative credit times, but those times can be put behind you.

3 Credit Reports for Free

3 Credit Reports for Free

3 Credit Reports for Free 

A person’s history of credit is extremely important especially if the individual would like to apply for a mortgage loan, bank loan, employment, etc. An individual’s credit history is not only important to him or her, but a lot of other companies and people are interested in it as well, such as: banks, utility companies, mortgage lenders, possible employers, etc. It’s vital to understand one’s credit score, credit report and the agencies that gather the credit data – credit bureaus.

Each consumer or individual has the right to request a 3 credit reports for free, under the Fair Credit Reporting Act bill that was passed in 2003. The bill mandates that reporting companies like TransUnion, Equifax and Experian provide a consumer with a free credit report at the consumer’s request. The consumer can request their 3 credit reports for free every 12 months.

A person’s credit reports contains a person’s information on where he lives, how he pays his bills, whether or not he has been arrested or sued, or if he has ever filed for bankruptcy. The companies who report consumer credit sell this data to insurers, creditors, employers, potential employers and other establishments in order to evaluate the individual’s credit when applying for employment, renting a home, applying for credit and/or insurance.

Information on Credit Reports

In addition to the information given above, an individual’s name and Social Security number will be included in the report. The consumer’s current credit status, such as mortgages, credit card accounts, student loans, car loans, etc. may be of great importance for other reasons. In addition, it may also have how much the consumer owes his creditors, the terms of the credit and the payment history. There will also be the information about the consumer’s public record as to whether there are any court judgments against him, whether he has filed for bankruptcy or if there are any liens against his property.

The fact that consumers can receive 3 credit reports for free is important in that the consumer should be aware of what is on his or her report. To have the free report is helpful information to the consumer because lenders could use his credit information to determine if he can get a loan and what the terms of the load would be. Insurance companies will want to see the credit reports because they use that information to help them determine whether the consumer can obtain insurance and at what rate.

Even the utility and telephone companies may want to use the consumer’s credit report for decision making on the services they may provide.