Credit report - Free online credit report - Online credit report - Credit report repair - Free credit report - Credit bureau report - Consumer credit report
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To better understand the issues relating to your legal situation or problem, our legal information and other law related facts may be of interest to you
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Your Six Basic Rights under The Fair Credit Reporting Act
1. You have the right to challenge the accuracy of your Credit Report any time. 2. The Credit bureaus must reinvestigate anything you challenge without a charge. 3. The Credit bureaus must reinvestigate within a reasonable amount of time--30 days, unless the bureau notifies you otherwise. 4. If the Credit bureau finds an error in the challenged item, they must delete or correct that information in your files immediately. 5. If the Credit bureaus cannot or do not confirm the challenged item within 30 days, they must delete that information from your files immediately. 6. You have the right to submit a Consumer Statement of your view of the problem. If you, as a credit Consumer, dispute the accuracy of certain information in your Credit Report and it is verified by the creditor as correct, then the Credit bureau is required to include your explanation of your dispute, if you request, in your Credit Report. Limit your explanation to no more than 100 words.
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Return to all Credit Report legal information
Legal Articles about Credit Report
Credit Report Frequently Asked Questions
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Credit report correction techniques
Many times the credit bureau is busy and does not handle your dispute properly ...
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Basic rights under The Fair Credit Reporting Act
All Federal Laws are in consumer's favor and you will have the advantage ...
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Credit Scoring and the Lending Industry
Credit scoring is crucial to your ability to get a loan. When you apply for a mortgage, your lender ...
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Judge Dismisses FCRA Lawsuit Against Home Depot Citing Supreme Court Decision in Spokeo Case
ESR NEWS
Filed on August 4, 2017, the lawsuit claimed Home Depot violated the FCRA sections 1681b(b)(2)(A)(i)-(ii) by including waivers in background check consent forms that violate the FCRA requirements that background check releases be free of extraneous ...
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High Alert for California Employers and Employers Nationwide for the Second Wave of FCRA Class Actions
Lexology
Broadly speaking, the FCRA's requirements on employers may be divided primarily into two categories: (1) requirements that employers must follow before obtaining a consumer report from a CRA, and (2) requirements employers must follow if they intend to ...
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