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Your Rights Under The Fair Credit Reporting Act
You have the right to know all the information in your credit
report, including the source of the information in most cases. You
have the right to know the name of anyone who received your credit
report in the last six months. You have the right to a free copy of
your credit report when your application is denied because of
information supplied by the CRA (Credit Reporting Agency). Your request must be made within 30
days of receiving your denial notice. You have a right to add a
summary explanation to your credit report if the problem is not
resolved to your satisfaction. You have the right to dispute
inaccuracies in your report. The CRA must respond to your request
within 30 days.
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. In addition, a CRA must investigate
the validity of credit report information when you contest the
information in writing.
CRA=Credit Reporting Agency
You are allowed to received one all
three in one credit reports every year. We have included the
link to the free report here: