Different Kinds of Reports
In case you’re thinking, “Hey, I have a friend at a bank or mortgage
brokerage who can pull my credit report for me,” think again. While
it would be lovely to get your report for free, the reports sent to consumers
are different from the ones sent to businesses.
You want the report designed for consumers because it’s much easier
to read, with the names and contact numbers for businesses spelled out (rather
than listed by numerical code).
The consumer version contains information on companies that have accessed
your credit report for promotional purposes, such as pre-approved credit card
offers, while the business-to-business version does not.
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