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Credit Report
Other Rights to Free Credit Reports
- According to the Fair Credit Reporting Act (FCRA), you're entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you request your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the Consumer Reporting Agency (CRA).
- Also, you are entitled to one free credit report a year if:
- 1) you're unemployed and plan to look for a job within 60 days
- 2) you're on welfare
- 3) your report is inaccurate because of fraud, including identity theft
- Otherwise, a consumer reporting company may charge you up to $9.50 for another copy of your report within a 12 month period.
- To buy a copy of your credit report, contact:
- 1) Equifax: 800-685-1111. www.equifax.com
- 2) Experian: 888-EXPERIAN (888-397-3742). www.experian.com
- 3) TransUnion: 800-916-8800. www.transunion.com
- For more information visit the Federal Trade Commission (FTC) website at www.ftc.gov.
What is a credit report?
The Fair Credit Reporting Act (FCRA)
Your Access to a Free Credit Report
Other Rights to Free Credit Reports
Credit Repair - Scam Artists - Be Aware
Negative Information Lenders Look For in Your Credit Report
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