Frequently asked questions about credit and credit reporting

• How can I sign up to get credit reports from First American?
• What does "permissible purpose" mean?
• How do I interpret an Instant Merge® Report?
• How do I find a sales associate in my area?
• Can you help me with training materials for my employees?
• How do I reach Technical Support? What are their hours?
• I have a question about my account. Who can help me?
• How should I proceed when an account or public record is incorrect?
• How long are bankruptcies and other delinquent or derogatory credit reportable?
• How does my adult child’s credit and mine end up on the same credit report?
• Why are some of the account numbers on my credit report different than what I have?
• What do the letters U, I, J, A, etc. represent on my credit report?
• What is the significance of the "Historical Account Status" that appears on the credit report?
• An account that has been paid still appears on my credit report with other than a zero balance. Why?
• How is it possible that an account is listed as "current" and "closed" at the same time?