Certain items may be disputed directly online when viewing your credit report. For most items, you must do so in writing and can use a trackable method like certified mail to ensure that it is received. If there is incorrect information in your credit report, you may ask the credit reporting agency to investigate. Visit the annual credit report website or call (877) 322-8228 to request your free annual credit report. Under state law, you have the right to a free copy of your credit report within 60 days of being denied credit. You have the right to know which credit reporting agency prepared the report that was used in the denial of your credit application. If you ever apply for and are denied credit, you should immediately get a copy of your report to verify that all the information is correct. Requesting a copy every year to ensure your report is without errors is worthwhile and recommended. Note: Your Credit Report is Free! Under state and federal law, you are entitled to one free copy of your credit report per calendar year from each of the three main credit reporting agencies noted above. Knowing your legal rights and remedies is a first step to resolving any problems related to your credit report. Your credit report is an important document, and the law gives you certain protections against the reporting of incorrect information. They make that information available to others under certain circumstances in the form of a "credit report." Lending institutions, employers, insurance agencies, and future creditors make decisions about you from the information in your credit report. Private companies called "credit reporting agencies" collect information related to your access to and use of credit.
0 Comments
Leave a Reply. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |