One thing many consumers don`t realize is that credit reports are only created when they are requested. That means that out of all those billions of bytes of information in the credit reporting agencies` databases, they have to find which ones belong to you, assemble the report, and serve it up for the company that requested it, and do so very quickly.. When you request your own report, the CRA has a lot of information to go on. After all, when you order your report you supply your name, curre...

This podcast inspired me to go check out AnnualCreditReport.com to see what`s up with my credit. I haven`t paid much attention to my credit since I cut up my credit cards and dispensed with my loans back in 1995 so it was quite an enlightening exercise. My credit isn`t anywhere near as bad as I thought it would be for not having used it in all these years. I do have 2 questions.... does a change of address affect a person`s (or business`s) credit score? Also, my address is wrong on all my repor...