Local, State and Federal governments have broad rights to access your credit report and in some cases to put things on it
A key part of controlling and protecting your credit score is to know who is looking at your credit report and why.
Your credit report is NOT a substitute for a government issued physical form of identification; it is only a tool to verify your identity.
Understanding your credit report and credit monitoring: What does “Account information disputed by consumer” mean?
Creditor remarks can give you valuable insight in to how your creditors are handling your account. Certain remarks from creditors can affect your credit score and other remarks won’t.
One of the most important things for Americans is to control our credit and protect our identity. It is entirely our individual responsibility.