Financial Insider Network Frequently Asked Questions
Credit Reports
Legal
Credit Reports
Q. How do I request a copy of my credit report?
If you are already a member, you can request it by going to the existing members link and simply request one online. Or, you can also request a credit report by calling our Customer Service Center at 1-800-683-0457 weekdays from 7:00 A.M. - 8:00 P.M. (CST).
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Q. How often can I order my credit report?
You can request copies of your credit report as often as you like. Plus, credit grantors will not see an inquiry. However, when you request your credit report, you'll be able to see an inquiry showing you requested your credit report. This is what's called a "below the line" inquiry.
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Q. How do I fix an error on my credit report?
After reviewing your credit report, if there is a legitimate error, simply call or write the credit bureau (as instructed on your credit report). A complete investigation will take place to verify the discrepancy. The credit bureau will provide you with the results of the investigation once it is complete. Typically, this process takes about 30 days. There is no cost to dispute credit information.
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Q. How long does information stay on a credit report?
For open accounts, the positive information stays on indefinitely. Most negative information remains up to seven years and bankruptcies remain up to ten years. For closed accounts, information remains up to seven years. Inquiries stay on for up to two years.
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Legal
Q. What legal benefits are available to me as a member of Financial Insider Network?
You and any adult family member living in your household are entitled to the following legal benefits:
- Unlimited legal consultations - over the phone as often as you like.
- Simple Will preparation - at no extra charge.
- 25% off attorney rates - potentially saving you hundreds of dollars.
- Online financial and legal resource center - available 24 hours a day, 7 days a week.
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Q. How do I speak to an attorney?
Simply call 1-800-683-0457 to be put in contact with an attorney over the phone.
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Q. What if I can't resolve the matter over the telephone?
Should the need arise for local legal representation, you will be referred to a participating attorney or you can initiate an attorney search by zip code on our website. You'll receive the first thirty minutes of your consultation at no extra charge and save 25% off the attorney's normal rates.
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Q. What qualifications do the attorneys have?
Our nationwide network of attorneys are under contract to provide members with superior service. Each of the attorneys is carefully screened and must have the following:
- License to practice within the state at the highest level of independent license granted by the appropriate state licensing board
- Three years' post-graduate experience
- Malpractice insurance
- Certification or advanced education in any specialization area
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Questions?
Call the Financial Insider Network Customer Service Center toll-free at 1-800-683-0457. HOURS: weekdays 7:00 A.M. - 8:00 P.M. (CST).
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