A credit report is composed of 3 areas: identifying information, credit history, and inquiries.

Identifying Information includes:

• Name
• Current and previous address
• Social Security Number
• Telephone Number
• Date of Birth
• Current and previous employers

• Collection items
• Retail stores
• Bank loans (secured and unsecured)
• Finance companies
• Mortgage companies

Inquiries include:
A list of credit grantors and other authorized parties who have requested a copy of the consumer's credit report.

This may mean that the individual has no credit file.  It may also mean that the information entered is not sufficient to match to the information in the bureau. 

Due to recent litigation, the repositories now require a three (3) strike match.  That means that name, address and SSN (or other items such as zipcode) must all match.  It is possible that the only address in the repository is an old address. 

If you get a "No Record Found" you may want to check again but with a prior address. 

Yes. There are no federal laws that prevent that.  However, some companies may have internal procedures that  prevent it, so check with a manager or officer on your company's policies.

No. Federal law only allows you to draw a credit report for permissable purposes.  If you or a family member wishes to see their credit reports, we recommend that they call  1-877-322-8228 - it's FREE.  Never use an online service.  When you call just continue through the service and you will be able to obtain your credit report from all three national CRA's.

If the credit report was provided by CBS, then your customer may go to any of our branch locations for assistance.  We request that if the reports was draw from your inhouse software, that you provide a copy of the report to them as well.  We are able to access all reports drawn on our web services, so a copy is not necessary then.