Credit Report Rights
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Credit Report Rights
Under the Fair Credit Reporting Act, you, as a consumer, have several rights regarding your credit reporting history. These all protect you from having inaccurate information used against you in a credit decision. Your credit report rights under the federal Fair Credit Reporting Act include:
1. receiving a copy of your credit report;
2. knowing who inquired about your credit history in the last year or two;
3. information on the credit reporting agency used to provide your credit history to a financial institution that subsequently denied your request for credit;
4. a free copy of your credit report if you have been denied credit;
5. ability to dispute any item on your credit report which then must be investigated within 30 days;
6. removal of inaccurate information within 30 days;
7. add a statement of explanation to your credit report regarding information you feel is inaccurate;
8. ability to restrict access to the information available in your credit report and remove your name from lists sold to telemarketers; and,
9. ability to sue someone who accesses your credit report without permissible purpose.
| Guru Spotlight |
| Jerry Mayo |
