Frequently Asked Questions

Q: What if there are problems or I have questions about the information in my credit report?
A: Coast to Coast Information Services offers toll free customer service from 9am – 5pm P.S.T to assist you with any credit report needs.

Q: What is a fico score?
A: A Fico score is a number which represents your credit worthiness. It is based on many different factors, including the following (in order of importance): Payment History, Amounts Owed, Length of Credit History, New Credit, and the Types of Accounts in your credit report.

Q: Is Coast to Coast Information Services a credit repair company?
A: No, Coast to Coast Information Services is a direct to consumer reseller with special licensing by the major credit bureaus to provide our services. Beware of unlicensed companies claiming to “fix credit”. There is nothing those companies can do for you that you can’t do on your own.

Q: What is an inquiry?
A: An inquiry is a record in your credit report which shows that a company has looked at your credit file. There are different types of inquiries depending on the reason a company has looked at your credit file. When you apply for credit, it is known as a hard inquiry and can have a negative impact on your credit score. Multiple hard inquiries in a short period of time can have a very negative effect on your credit score.

Q: Does checking my own credit hurt my score?
A: No, so long as you are going through a company licensed to provide credit reports to consumers.

If you have more questions not covered here, please call Coast to Coast Information Services toll free at
1-800-877-4033.