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is
designed to help ensure that CRAs furnish correct and
complete information to businesses to use when evaluating
your application. Your
rights under the Fair Credit Reporting Act:
-
You
have the right to receive a copy of your credit report.
The copy of your report must contain all of the
information in your file at the time of your request.
-
You
have the right to know the name of anyone who received
your credit report in the last year for most purposes or
in the last two years for employment purposes.
-
Any
company that denies your application must supply the
name and address of the CRA they contacted, provided the
denial was based on information given by the CRA.
-
You
have the right to a free copy of your credit
report when your application is denied because of
information supplied by the CRA. Your request must be
made within 60 days of receiving your denial notice.
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If
you contest the completeness or accuracy of information
in your report, you should file a dispute with the CRA
and with the company that furnished the information to
the CRA. Both the CRA and the furnisher of information
are legally obligated to reinvestigate your dispute.
-
You
have a right to add a summary explanation to your credit
report if your dispute is not resolved to your
satisfaction.
Your
Credit Application
When creditors evaluate a credit application, they cannot
lawfully engage in discriminatory practices. If you feel you
have been the victim of discrimination or unfair credit
reporting contact the firm listed below. They have
experience cleaning up credit reports.
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- Quick & Private
- Secure & Safe
- Save Your Credit
- Avoid Disconnection
- Eliminate Late Fees
- Stop Creditor Harassment
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