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Q.What should I do if my credit report does not reflect all my accounts?
A.Your credit report may not list all your credit accounts. Although most bank credit card, lending institution, and department store accounts will be included in your file, not all creditors supply information to the credit bureaus (e.g., local retailers, gasoline card companies, and credit unions).
If you haven't been denied credit, there is no reason to add accounts that do not appear. However, if you have been denied credit because of an "insufficient credit history" or "no credit file" you may want to contact the credit bureau. If you have accounts with creditors that do not report to the credit bureaus, you can make a written request to the credit bureau to add this information to future reports. Although the credit bureau is not required to do so, many will add verifiable accounts for a small fee.
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