ACCC’s Client Login allows current clients to access their program information, including the due date, program benefits, and other documents.

Select a Client Login below based on the service that you are currently enrolled in:

Debt Management Program

Client Login

Bankruptcy

Pre-Bankruptcy Client

Post-Bankruptcy Client

Not yet a client, but looking to get started?

ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

Get Started

Wait!

You are now leaving the Consumer Credit website and are going to a website that is not operated by ACCC. We are not responsible for the content or availability of linked sites.

Are you sure you want to leave?

No, return me to the previous page.

Yes

Who Can Pull My Credit Report?

credit reportThere’s a lot of mystery surrounding credit reports. Who can pull my credit report? What does it show? How can I access it? As a reflection of your financial decisions, it’s crucial that consumers understand credit reports. Learn more about who can pull your credit report along with instructions for how you can pull it too.

What is a Credit Report?

A credit report is a history of everything you’re doing with your credit now and what you’ve done with it in the past. Organized into a list of information from lenders, your report includes records of payment history, payment totals and payment frequency. Your lenders send both positive and negative information about your accounts to the three credit reporting agencies (Equifax, Experian, and TransUnion). Then, the agencies compile the data into a report.

The information that your creditors decide to share can impact your credit report. For example, if you are late on one payment, but generally pay on time, it’s possible that your creditor will not share the late payment. On the other hand, if you have accumulated a lot of consumer debt, any related negative information will be included in your report and will affect your credit score.

In short, your relationship with credit reflects your reliability. Your ability to get credit, loans, housing, and more are all impacted by your credit report and score.

Who Can Check My Credit Report?

Now that we’re clear on what a credit report is, let’s see who can access it. Essentially, any possible lender or entity who is financially assisting you can access your report. This includes but is not limited to:

  • Creditors
  • Mortgage lenders
  • Landlords
  • Utility companies
  • Student loan lenders
  • Insurance companies
  • Employers
  • Government agencies
  • Collection agencies
  • Judgment creditors
  • Entities that have a court order

You may be wondering, how can I see my credit report? Don’t worry – it’s pretty easy to access. It’s important for consumers to check their report and understand any and all information presented. This way, you can quickly catch any inaccurate or potentially fraudulent activity.

 

For more information about credit or managing your finances, call ACCC today at 800-769-3571 and speak with a credit advisor.

ABOUT AUTHOR / Madison

Madison is a Marketing Communications & Programs Associate at ACCC. She is excited to share her tips on saving money and being financially responsible here on the Talking Cents blog!

View all author posts →

Dev Tool:

Request: blog/who-can-pull-my-credit-report
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=who-can-pull-my-credit-report
Loaded Template: single.php