<p>Has she checked her credit record with the three U.S. credit ratings? Maybe this doesn’t appear on her U.S. credit record. </p>
<p>“The Fair Credit Reporting Act guarantees you access to your credit report for free from each of the three nationwide credit reporting companies — Experian, Equifax, and TransUnion — every 12 months.” [The</a> Federal Trade Commission’s Information on Free Annual Credit Reports](<a href=“http://www.ftc.gov/bcp/edu/microsites/freereports/index.shtml]The”>Free Credit Reports | Consumer Advice)</p>