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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Learn what's in your Credit Report and how you can get a copy of Credit Report.
If you've ever applied for a charge account, a personal loan, insurance, or a job, there's a file about you. This file contains information on where you work and live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy.
Companies that gather and sell this information are called Consumer reporting agencies. The most common type is the Credit bureau. The information they sell about you to creditors, employers, insurers, and other businesses is called a Credit Report.
The Fair Credit Reporting Act (FCRA), enforced by the Federal Trade Commission, is designed to give accuracy and privacy to the information used in Consumer reports. Recent amendments to the Act expand your rights and place additional requirements on Credit Report agencies. Businesses that supply information about you to Credit Report agencies and those that use Credit Reports also have new responsibilities under the law.
To find out the Credit bureaus maintaining your file, contact the three major national Credit bureaus, which are: - Equifax, P.O. Box 740241, Atlanta, GA 30374-0241, - Experian, P.O. Box 2104, Allen, TX 75013, - Trans Union, P.O. Box 1000, Chester, PA 19022.
In addition, anyone who denies your application for credit, insurance, or employment, on the basis of a Credit Report, must give you the name, address, and telephone number of the CRA that provided the Credit Report.
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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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Your credit score: What you need to know
Indianapolis Star
Here are four tips from Nehf on obtaining free credit reports from the three major reporting agencies: 1. ... 2. When you receive a copy of your credit report: "Go through them carefully and see if anything in there strikes you as odd, information that ...
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What Should I Do If My Credit Card Application Is Rejected?
Motley Fool
... report from the agency the lender used to make a decision about your application. Just contact the bureau -- you can follow the links above for contact information -- and specify that you were recently denied credit and would like a free copy of ...
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