Education records can consist of anything that is directly related to you/your child and maintained by a school or other educational agency. They could include information such as
If you’ve been the victim of identity theft, you could have debts in your name that aren’t yours (and might not even know they exist until a debt collector tries to collect).
Even if you owe a debt, you have rights about when and how a debt collector contacts you.
You can contact data brokers like MyLife directly to request that your information be removed, but there is no guarantee that you will succeed.
Sometimes. Currently, no federal law gives you the right to prevent data brokers from collecting, sharing or publishing your personal information. In general you also don’t have the right to make most data brokers correct or delete inaccurate, incomplete or unverifiable information. If you live in California or Virginia, however, you do have the Right to Correct and can ask a business to correct your information after submitting a verified consumer request.
A data breach is a security violation in which sensitive, protected or confidential data is copied, transmitted, viewed, stolen or used by an unauthorized individual. It could be a result of
- hacking
- theft of credit/debit card numbers
- lost, discarded or stolen documents/devices
- mishandled sensitive information
On-time rent payments aren’t generally included in your credit report (your landlord has the option, but most don’t report them). However, if you don’t to pay your rent on time (or at all), your landlord might report it to a credit reporting agency and it would appear on your credit report.
Yes, most landlords will want to check your credit to help them decide whether to rent to you.
Yes. You can request a free copy of your credit report from each of the three major credit bureaus (Equifax, Experian and TransUnion) every week through April 2021. See our guide for more information.
No, an eviction notice by itself won’t show up on your credit report.
There are a couple of other ways that evidence of an eviction could still show up on you credit report, for example, if you
- don’t move out when you receive an eviction notice and the landlord uses the court to evict you/obtains a judgment against you, the judgment will appear in your credit report
- move out before the matter goes to court but still owe rent, the landlord could use a debt collection agency which could report your debt and appear in your credit report